10-16-2012 06:03 PM
I would stronly suggest if you want a credit card, and this is your first credit card, do not choose Barclays.
I had my card with them and all was great until Sept 2012. I sent them 900 bucks to pay on my account and they put a (5) business day hold on that payment. I made another 900 payment and same thing. I made another 900 payment and again a (5) business day hold. At the time all this started, my account was and is in great standing and I never had a returned payment or anything like that.
They would probably be ok to have as a secondary card. The reason why I say they are not good for someone to get as their primary card is because if you make a payment on your account, then the next day they place a hold on that payment, don't tell you, then you go to dinner that evening, as I did, and that is your only method of payment, they cannot release the hold...you are left washing the dishes.
10-16-2012 06:05 PM
I agree. After never really having them personally. I think they are much hyped. Discover, Chase, AMEX all beats them everytime!
10-16-2012 06:11 PM
I was going for them but after hearing this on pultiple post I will not now. Seems stupid to me. I have charge 1K plus and paid in full on all my other cards for years and had never ran into a situation like this before.
10-16-2012 06:18 PM
I would not encourage anyone to just have one card. At the least everyone should have two. Any card can have a payment hold or any other problem that would cause you not to be able to use it. That is one of the reasons I carry around a small amount of cash.
10-16-2012 06:55 PM
Wow...I have paid them $1400 plus in a single payment and never had them hold a payment. But then again, I've only had them eleven months so far. I've also made multiple payments in the month and no hold. I agree with your conclusion though, having only one card is risky if the card decides to do strange things (like hold payments).
10-16-2012 08:10 PM
IMO, its really not a good idea to have only one credit card period, whether its barclays or anyone else. You always want backups, preferably 1 of each payment network.
10-16-2012 08:11 PM
10-16-2012 08:39 PM
10-16-2012 08:54 PM
Although I agree with your sentiments about not having just one card, I think where you might have erred is paying through their website. I think you made a similar post previously and someone mentioned pushing a payment through to them from your bank account instead of through their website. I have made consecutive large payments from Barclays via my bank account and never a hold. I wouldn't berate Barclays, per se, I just think you should explore all of your payment options to ensure you are making the right one to meet your needs.
10-16-2012 09:03 PM
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