Barclaycard decline card

CannyJock

Pandamonium wrote: »

I'm pretty chuffed with Barclaycard. Only had the card since December, and in addition to two balance transfers on opening the account, I've only made three purchases.

Mixing balance transfers and purchases on the same card is only recommended when the 0% promotion periods are the same, or there's a positive allocation of payments (Nationwide and MBNA for first 3 months).

Can't see a Barclaycard that offers this at the moment http://www.barclaycard.co.uk/personal-home/cards/compare-all-cards/index.html

Are your payments to the card being allocated against your purchases or the balance transfers and are either of these at 0%?

hardeep

Barclays card is good for People. but when some times it's not accepted then i think it's a wrost moment for the card holders,

Asiacat

Barclaycard's fraud system actually helped me once.

I got a call at work to say that several large purchases had been made over the phone for mail order goods amounting to several thousand pounds over the course of a long weekend (Fri-Mon).

I still had the card with me and hadn't made any of the purchases and was grateful for their timely intervention. Again the reason given for the fraud check was inconsistent with my usual spending habits.

The cancelled the card replaced it and I wasn't liable for a penny of the fraudulent purchases.

It cuts both ways.

I even had the last laugh. With all the extra profile points I was able to get myself a cordless screwdriver.:D

LeeSouthEast

Never tripped the Barclays (debit) card fraud system in 10 years. And my spending pattern is bizarre, to say the least.

Barclaycard flagged my first purchase (with Dell) as possibly fraudulent and it generated a 'is this you?' call to my mobile a few moments later. I said 'yes' and it went through. It was odd, as I hadn't used the card at all for 8 months, and then to suddenly whack £600 on it from an internet purchase, I can't say I blame them!

Not had any issues since that day.

patchwork_cat

Lee - that is what I mean if they had called my DH on his mob there and then could have been rectified, and they do have the number, but they called me at home - wouldn't talk to me, but hey he wasn't here he was in Halfords!

As for the comment that it wouldn't whip around the community - it depends on your circs and where you live doesn't it.

A big city probably no problem, a small middle class town and being served by a fellow mum whose kid goes to school with yours, whip around in 5 minutes and no it doesn't happen here often.

LeeSouthEast

Yes, somewhat dim ringing the landline, unless his mobile had no signal and went to answerphone and they rung home as a backup, maybe? Certainly in my experience it's been mobile first, other numbers next.

chattychappy

Asiacat wrote: »

Barclaycard's fraud system actually helped me once.

Seems it helped them - the attempted fraud was on them, not you.