Barclays Cash card Account help

sutton111

p.s BarclaysManager

if you have a current account not a cash account but still no cheque card is it still an connect electronic or is a full visa debit. thanks
and finally can you upgrade from a cash account to a full current account after 6 months?

Extant

sutton111 wrote: »

why did they change the name then? why not just keep visa electron?
my visa debit starts 4658 can i tell from that?

Yes. We issue certain types of cards under certain debit card ranges. For instance, cards starting 4659 are all Premier customers, 4539 are standard Visa Debit cards, etc.

The reason the name is absent is for a couple of reasons - first, it's not exactly the same card. It has embossed numbering, for example, which is oddly not a feature of standard Electron cards. Second, "Visa Electron" has negative connotations.

It does, however, still function in the same way: i.e. there's no floor limit, so it always requires authorization when making a purchase.

sutton111 wrote: »

p.s BarclaysManager

if you have a current account not a cash account but still no cheque card is it still an connect electronic or is a full visa debit. thanks
and finally can you upgrade from a cash account to a full current account after 6 months?

We have two product holdings that cover all of our debit cards, basically. The first is "Connect (Electronic)" which is essentially Visa Electron, as covered before. The other is "Connect Card" which is a Visa Debit card of some sort. It covers all cheque guarantee limits (£50, £100, £250) and features a floor limit.

We do not currently issue a Visa Debit card without a cheque guarantee. So, if your card does not have the guarantee hologram on it (bottom right, reverse) then it is a Visa Electron card.

As for upgrading your account, you can apply to upgrade your account at any point. You will be credit scored, though, so it's wise to avoid doing it too close to any other applications for credit cards, etc.

The application is processed electronically through our central system, and a decision will be made based on your credit score, account performance and trends, etc.

This decision cannot be over-ruled by any member of Retail Banking (even me!)

If you're declined, ask the personal banker why. They will be able to see why. It might give you some help in trying to repair your credit problems. You can also appeal the decision, and it will then be assessed by a real live human. However, appeals need to be of decent nature, i.e. not "customer really wants it". They must always address the issues that you were declined for. So, say, if you were declined due to arrears on your credit score, you and the personal banker could appeal on the grounds that your Barclays account has been run in an excellent fashion for the past X years, with no arrears and no unpaids.

If you're successful, you will unfortunately have to give up your account number, as it will be a fresh one. It's not a straight upgrade.

You may lose your sort code too, if you're on 20-20-20 (universal banking: cash card accounts only). You'd be switched over to the sorting code of the branch you opened the account in.

I hope this helps.

sutton111

thats brilliants, thank you.
Are barclays strict then with there credit scoring because it seem HSBC do more of an iternal score run your account fine and you can upgrade.

Extant

sutton111 wrote: »

thats brilliants, thank you.
Are barclays strict then with there credit scoring because it seem HSBC do more of an iternal score run your account fine and you can upgrade.

We are, as it goes, relatively strict with our lending and access to any sort of credit features. As minor as it may sound, a Visa Debit features a floor limit, which we must guarantee. This could easily result in a £250 loss, which adds up over a few million customers.

I would say we're 50/50 when it comes to an "internal" score and an external score. If we relied too much on account performance, we could effectively be deceived into trusting someone while every other bank on the high street is chasing them for money.

sutton111

thank you so much it always interesting having a chat with someone in the know.
wished you worked in my local town, i would pop in to branch and have a chat about it.

Extant

sutton111 wrote: »

thank you so much it always interesting having a chat with someone in the know.
wished you worked in my local town, i would pop in to branch and have a chat about it.

Sorry, but we managers don't see customers anymore, remember?

If you ever want to ask, just go ahead, I'll probably see it if it's to do with Barclays.

sutton111

oh yea i forgot. lol. thanks will do.

Grousey

It would appear I have some odd hybrid cash account / current account then.

I have an account that DOES have a cheque book and internet banking etc however my visa card doesn't have a cheque guarantee. Also my sort code is 20-25-25 (or something similar)

I opened my account online, never went into a branch.

Exactly what account and card do I have!?!?!?

sutton111

how long ago was it opened? cash minder sort code is 20-70-70.

sutton111

how long ago was it opened? cash account sort code is 20-70-70.