Paying Barclaycard

Grumpy_chap

sourcrates said:

There are multiple ways to pay your credit card, all have more or less been quoted on this thread, saying your debt card always "gets lost in the post" and leaving it at that, would not be an option for me, I'd want to discover why this was happening.

I was actually unaware banks still issued cheque books to personal customers, I've not seen one in more than 10 years, as for online banking, is it a reluctance to engage with modern technology or what is the reason ?

Online banking is so simple, quick and easy to use, you can pay all your bills, no messing with stamps and letters, writing cheques etc, I have a friend with a similar attitude, for years he`d traipse down to the bank to pay bills and do his banking, I was always telling him to open his online banking account, but he kept saying no, then his local bank branch closed, so he had the choice of switching banks or embracing technology, he opted for the latter, and has never looked back, he can`t believe how he managed without it now, give it a try chap.

I have no objection to online banking and use it regularly for my business account (with Barclays).  It is very simple to use.  The business account also has a Business Connect card which can be used as a debit card to pay bills straight from the bank account or to draw cash - not that I use either feature that often because there is the so easy online service.  The business account also has a cheque book, but must have only used a couple of cheques in the years since I started up.  

So definitely comfortable with online banking, but we simply don't have it for our personal accounts.

As for FD, they just can't provide a working online banking service so I use the phone banking for transferring money between our own accounts and the cheque book for paying elsewhere.  The big draw of FD was the offset mortgage and the telephone banking - both were quite unique when we started banking with them .  FD just seem to have failed to keep up and provide the online service, nor have they ever provided a cash point card in the 16-years since we joined them.

I have suggested to Mrs G-C that we move everything over to Barclays and shown her how simple the online banking is, but she prefers to stick with FD.  So, it is cash over the counter and cheque payments, which does at least mean we keep control of payments.

I only learned this week that I could pay the credit card using the FD phone banking, but I did not like that as much as simply paying by cheque which is just the easiest thing to do (except for Barclaycard who won't accept cheque in the post).

Grumpy_chap

MrFrugalFever said:

if I were to bank in the same manner as yourself I think I’d go absolutely nuts with frustration. Couldn’t think of anything worse than walking in to a bank or posting a cheque.

It is dead simple to send a cheque to pay the credit card (except Barclaycard) and it means total control. 

We don't draw much cash as that is quite a faff so we always put everything on the credit card and then pay the cheque every month.  I even got the CURVE card which makes the credit card work as a contactless card, so really easy for anything when out shopping.  I have to admit, the Barclaycard was clever as it has contactless built in and did not need the CURVE card but, unfortunately, difficult to sort the bill.  

We just use cash for really small things like the newspaper.  Many places don't even accept cash.

Brie

I'm 99.9999% certain you can pay a Barclaycard by post with a cheque.  Obviously all you need it paying in slips.  And I'm 99.999% these are available.  

Your alternatives may be to pay by cheque at a different bank or at a post office.  Not sure how easy that is to do without a paying in slip - but would be straight forward with one.  

I get the annoyance at having to pay by phone - always an issue if you get a digit wrong....but shouldn't be a problem once you have the card set up as one of your standard payments.  

My suggestion would be to talk to the business account relationship manager (or whatever they are called this week).  Harrumph at him/her about the lack of paying in slips for your personal Barclaycard.  Intimate that you might consider having to move all your accounts elsewhere if this can't be resolved.  I'm guessing they will find a way to help you...unless s/he is a complete dweeb.

[Deleted User]

You can use the Barclaycard paper BGC slip in HSBC branches with your First Direct cheque.

Alternatively, use First Direct telephone banking or set-up a full bill Direct Debit with Barclaycard using your FD account number/sort code. 

Just call Barclaycard and tell them that the card is damaged and they'll post you a replacement. 

Grumpy_chap

Deleted User said:

You can use the Barclaycard paper BGC slip

Only if the Barclaycard bill has a giro slip.
Mine did not.

I paid using FD telephone banking and will have to do the same next month, after which the card will just decease.

JES_F1

I have two Barclaycards and the ways to pay differ - I've assumed the type of card determines the methods available.

• My Hilton Honors Barclaycard allows direct debit, bank transfer, QR code (via Pingit, which closed in the summer, or at an ATM), debit card, cash or cheque at a bank, or cheque in the post.
• My Barclaycard Forward allows direct debit, bank transfer, QR code, or debit card.

I'd be absolutely lost (or have gone mad) without online banking and apps, direct debits, and faster payments!  Cheques are such a faff - writing it out, putting the required details on the back, completing a paying-in slip, shoving it all in an envelope, maybe sticking on a stamp, posting it, waiting for it to arrive, waiting for it to be cashed ...  I'm worn out thinking about it!

Grumpy_chap

JES_F1 said:

I have two Barclaycards and the ways to pay differ - I've assumed the type of card determines the methods available.

• My Hilton Honors Barclaycard allows direct debit, bank transfer, QR code (via Pingit, which closed in the summer, or at an ATM), debit card, cash or cheque at a bank, or cheque in the post.
• My Barclaycard Forward allows direct debit, bank transfer, QR code, or debit card.

I'd be absolutely lost (or have gone mad) without online banking and apps, direct debits, and faster payments!  Cheques are such a faff - writing it out, putting the required details on the back, completing a paying-in slip, shoving it all in an envelope, maybe sticking on a stamp, posting it, waiting for it to arrive, waiting for it to be cashed ...  I'm worn out thinking about it!

Aaaah, the card I have (Barclaycard Rewards) is the same as your Barclaycard Forwards card.  I wonder whether it is type of card or age of card...

Writing a cheque and sending by post with the giro slip is so easy.

FD don't offer the online stuff.  I did do the first payment with telephone banking and relieved that Barclaycard sent me an email to confirm the payment received.

razord

I was with First Direct for 10 years before I switched away this summer.

They absolutely do support online banking, or app banking (their app is pretty great). You can do everything online that you can with any other bank.

Voyager2002

The basic conclusion from this thread is that the OP needs to check what is happening to his mail. Banks do not simply forget to send out debit cards: obviously it has been diverted or dumped by a lazy postie. And of course First Direct supports online banking, which works only once the customer has received the log-on details that are sent in the post. Given that these details have evidently been intercepted somehow, it is a wonder that no fraud has yet taken place.

Grumpy_chap

razord said:

I was with First Direct for 10 years before I switched away this summer.

They absolutely do support online banking

I have spent many hours on the phone trying to get the online working, but it never does.  Then they say they will send me a card but it never arrives.  So I just give up.

I have online banking with Barclays for the business accounts and it really is great.  Just not been able to get it for my personal FD accounts.