Barclaycard US Reviews 

I applied for a credit card online which should have been approved on the spot, per my previous credit card application experience.
I have a 850 Fico score, which should be so easy to get approved but with Barclays, it's like applying for a mortgage loan. They ask me to fax or send by mail my ID card, social security number and utility bills. It's the worst experience.

This has to be the worst customer service for a credit card I have ever experienced. My story on customer service is just rude unprofessional and useless. I called simply to confirm a website issue for my account and I was told everything but what I called for I then messaged Customer Care and reported what had taken place and their response left me speechless not addressing what my message stated just began giving me schooling steps on how to view my transactions. Unbelievable. It’s very sad. I enjoy using this card for the benefits of the rewards however it’s more important to me to have excellent service when I need it. I will be closing this account regardless of what it does to my credit. Very sad. for those who have experienced such sadness with this Bank if you’re looking for an amazing Bank with excellent customer service USAA is incredible. That’s where I will continue and stay going forward.

Today's date, March 17,2026
Barclay's US, my worst experience with credit card customer service in 43 years! I had transfered a small balance the night before, from my PC, from another credit card, to my Barclay's 0% for one year offer, and every thing went fine. Then the next mornig I received a message on my land line answer machine, and I could not understand on behalf of "who" this lady was calling, and she said that I should call back an 800 number. I had to find out on Google that it was from barclay's. Here is what was realy awful, I could verily undestand this lady, and on top of that the background noise was bad! after I told her, she fixed some of the issue, and she begain to ask me "verification questions", in order to get the approval for the transfer, she did so so many times that it was ridiculous, I asked her for a supervisor, she put me on hold, 8 minutes later I had to hang up and call again, another lady with the same questions again, but now she told me she would connect me with another customer service rep. and after 7 minutes, the other rep. came on with more of the same questions that I had already answered PLUS more on top of it, another 17 minutes, and I had it! I hanged up.
THREE rep's a dozen times asking me the same questions for a grand total of more than 33 minutes! I believe this was done intentionally, as to not approve the "$550" dollar transfer, for watever reason, and in a very really insulting way! I went on my PC and demanded my accont be closed. And it was so.
I had this credit card for 14 years and 10 months and while it was run by the previous banks it was good and they had excellent customer service. I also have a credit score of 822. Barcklay's Not worth it!

I’m very frustrated with the fact I can no longer use my reward points for statement credit. I have no plans to purchase a GM vehicle and do not currently have a GM vehicle, and I was told that is what the rewards points are for now. I am so ready to have this card paid off so I can find one that is better for me!

I closed my card and was told that the annual fee I had already paid for the coming year would be refunded. After a month I called them again since no refund was received, and they told me they now won't refund it. Liars. That whole card was a rip-off anyway with it's annual fee and only 1% rewards on purchases. Also the only company they won't waive a late fee. Other credit card companies are much better and will forgive you a one-time mistake by paying too late, etc. Also, when you call customer service one usually gets a foreigner who is hard to understand.

The absolute worst. Had fraud committed against my account and they sided with the criminals. And treated me like a criminal. If you call customer service, be prepared to wade countless hours working your way through a maze of people that cannot communicate. The worst experience ever!

Barclayscard RCI. Worst bank ever, please STAY AWAY. Reported fraud payment post on my account but they did nothing and let the fraud take money off the account again. Customer service people are rude and unhelpful

Please ve careful with their credit card company, they make u pay $99 yearly fees to have their credit card. In which if u don't use your credit card they won't want to reimburse the annual fee to you. Be careful. This is a scam

Since they changed from GOLDMAN TO BARCLAY
I have experienced late fees even tho payment was in mailbox in time yet they don’t process the payment till after the due date for example check wrote Jan 19 due on Feb 5.They cashed it according to the bank on Feb 11 and NO ENVELOPES to send payments now I’m getting notices in email to pay my bill due March 5 and that check went out Feb 13 I TOOK PICTURES I BETTER NOT GET PASS DUE AMOUNT THIS MONTH OR I WILL NOT USE THIS CREDIT CARD

I got this card years ago for the flyer miles. I just tried to use my flyer miles for the first time to purchase a 1-way ticket and the only option it would give me for my flight was at 6am, even though there were many other available flights that day, if I didn't use my flyer miles.

I want to cry.

They are unable to figure out how to call us for a security code in order to establish online access to card. The only reason I took this card was to get JETBLUE miles.. NEVER AGAIN... I am surprised Jetblue does any business with them. Reflects poorly on jetblue involvement with such a low rent company.

I made a payment on my old navy credit card (held by Barclay) I paid the credit card off. Over a week later I started getting text messages that my payment was returned for NSF. I contacted them and was told they were being sent in error and disregard them. They stopped, I went to Old Navy and my card was declined. I paid for my stuff and called the number when I got to my card. It was saying I still owed the payment. I spoke with corporate and she was going to investigate it, she said it will take a couple weeks. I never heard back, I called a week ago and was told a supervisor would call in 24 to 48 hours, no call. I filed a BBB complaint and they won't answer it. I will pay my card off but all this time they are playing around they are adding late fees.
I called my bank and it wasn't declined for insufficient funds, Barclay didn't put the first 3 digits of my account number in and that is why it was denied. So this is 100 % their fault and they are ruining my credit. It went down 31 points from them.

Worst customer experience ever! DO NOT ever take a credit card out with this company. After I closed my account, they sent me a credit (I guess I over paid). AFTER that date they allowed two charges to come across, to which they continued to add late fees. The $14 of charge became $51. I called on three occasions to try to get it fixed, escalated to managers, etc. They are either a bunch of idiots or they try to rip you off. Incompetent and unethical (great combo). I eventually was able to get them to open an investigation to try to fix it; after a few weeks I got a letter that says "because too much time went by they can't confirm any wrong doing". WHAT!?!?!?! The time that went by is on them. I called so many times to try to fix this. I paid it all today even though on principle I shouldn't have to, but it's not worth the time and aggravation. NEVER EVER EVER open a credit card with this company.

Less than 1 star if possible. Horrid customer service and don’t even try to get multiple issues resolved. Ridiculous! If you are thinking about getting any service associated with Barkleys forget about it!!

UrbanCowgill Feb 2026

I would absolutely never recommend the Barclays GM Mastercard to anyone. Barclays is the worst company, their app is does not allow you to rate them when they ask for your opinion (complete waste of time), they don’t care to safeguard any of your information, and their Customer Service does not care about the customer at all of them speak no English and everyone I spoke with has a strong Indian accent dialect that is extremely difficult to understand and they do not use proper English so the language barrier makes them extremely difficult to talk with. I have spoken with over 10 reps about a Fraudulent Claim that needs reported to the FBI and they refuse to look into it after I provided documentation and they are very inconsistent, not helpful, and unclear. When you ask to speak to a manager their management is incompetent and the background noise on their end sounds like they are in a location inside a shooting range, making the language barrier even more difficult. This company needs to be run by people that actually speak English. Don’t waste your time with Barclays unless you to be ultimately disappointment and dissatisfied.

Terrible customer service. Offshore service center with little but a script to work with. Cancelled my card after Barclays bought it

UPDATE on May 19, 2026:
My third dispute was denied. As always, nothing was ever sent to me in terms of why it was denied. Only thru CFPB intervention, I learned why it was denied. Ready?
"We were not provided with detailed description of what you were to receive." - this about a Starbucks transaction for $10.56 from overseas where they fleeced me by charging a currency conversion fee (I only wanted a refund of currency conversion charge).

Barclays: listen up, they were supposed to deliver a business class ticket, NYC-Singapore. Starbucks is also selling hotel rooms and vacation rentals.

Barclays is the most stupid company ever. Goodbye Barclays. Go back to UK.

They wanted me to tell them what
UPDATE on March 25, 2026:
I can finally confirm that this company has really gone BAD. This must have to do with the change of their President and Chairman. Now, their entire focus is on denying disputes left and right. They have found a novel way to do this.
(1) All communications I receive from Barclays are by electronic means and could be reviewed online. Examples: Credit Card Statements, Account Statements, Payments, even Confirmation of Opening a Dispute.
(2) However, Denial of Dispute Letter, along with reasons thereof, is sent by snail mail. WHY? They are doing this knowing that snail mail can get lost and thus disputes are closed, people don’t follow up, and Barclays don’t have to stand up for its customers.

ORIGINAL:
For a long time, this company was a Gold Standard for Credit Cards: Great Customer Service, Focus on eliminating Fraud, no Foreign Transaction Fees, etc. But now I have to sadly say that it is declining and going to dogs. See my AGODA review below. I filed a dispute about the non-existent property for which Agoda had billed me. Without any investigation, Barclay denied the charge back. I am quite disappointed in you, Barclays. I hope you will not force me to start looking for a better credit card provider. Please get your s*** together.

As a credit card user of 20 years with an >800 credit score, I can confidently say this is the WORST credit card customer service I have ever encountered. They stole 32.49 from me, and refused to refund it despite repeated attempts to contact them. They closed my account due to inactivity while I was having major healthcare issues and did not have the ability to access my account.

Been a jetblue plus cardholder for years. I've done several balance transfers on the card where I would receive the funds directly deposited into my checking account; this time was no different. However, a day later I received and missed a call from their fraud department. I returned the call 20mins later and went through all the checks and the rep said I was "good to go." Lo and behold, they canceled my balance transfer and removed the ability to initiate another direct deposit transfer. After 2 phone calls with 2 reps and 1 purported manager, nothing was offered to be done and I was received was half-hearted apologies. I closed my account. I'm not paying a yearly fee to a bank that would cancel a transaction after 1 missed call, even when the cardholder calls back after 20mins. The lack of communication and the subpar customer service is not what I pay for.

After my wife passes 2 years previous a fraudulent claim was charged during the interim. No possibility to find out when the charge was made or for what. They passed the claim over to a credit claim affecting my 850 credit. They persisted until I finnally paid for a fraudulent charge offerring still no assistance
NEVER DEAL WITH THESE PEOPLE or with banna republic if possible