 
Barclaycard Initial Credit Card
Do you need to strengthen your credit rating?
Choose Barclaycard Initial and we’ll guide you through the whole process. It’s a great card with lots of useful benefits such as fraud protection.
- Strengthen your credit rating
- Enjoy a credit limit of up to £2,000 (minimum £250)
- Representative 29.9% APR (variable)
- Go Contactless - Make purchases of £10 and under in an instant wherever you see the Contactless symbol
To qualify for a Barclaycard Initial Credit Card:
- You looking to strengthen your credit rating or want to rebuild your credit history
- Are you 18 or over
- Do you have a permanent UK address for 3 months or more
- Do you have a regular income of more than £3,000 pa
- You must not already have a Barclaycard
- You Haven't missed multiple payments on a credit agreement within the last 12 months
- You don't have a CCJ (County Court Judgment) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
- Aren't a student (are you a student?)
Apply for the Barclaycard Initial Credit Card
 |
Barclaycard Initial Credit Card Review |
The Barclaycard Initial Credit Card is designed to help who want to strengthen credit rating, and improve their credit history, or someone looking for a first credit card. The Barclaycard Initial Credit Card is not for someone with bad credit, someone who's had County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years, or someone who's missed multiple payments on a credit agreement in the past 12 months.
Advantages
- If you have had credit problems in the past, the Barclaycard Initial Credit Card can help you improve, or strengthen your credit history
- Is easier to qualify for than most traditional UK credit cards.
- Manageable interest rate of 29.9% APR typical (variable).
- Credit limit to £2,000 with a minimum of £250.
Disadvantages
- Can be tricky to qualify for. You must pay attention to the approval criteria before you apply.
- Must stay below credit limit, or problem may arise
- The interest rate reflects the intent of the card, to help strengthen credit, it is not intended to carry a balance month to month
Additional Comments:
For many people the convenience of a credit card seems out of reach. It doesn't have to be that way. If you've been turned down elsewhere, don't despair. We'll look at what you can afford to pay back and help you take the first steps towards a brighter financial future.
Use your Barclaycard Initial Card sensibly and you’ll be building your credit back on track in no time. Just keep up with your payments and stay within your limit. Your credit rating will be building each month.
Summary - If you are serious about improving your credit record, this card is right for you. If you are looking for your first credit card, this card is for you. Take the time to understand the fees, rates, and benefits. This card is loaded with benefits, and is posed to help you.
.
** The UK Credit Card Centre has been designated as a Credit Intermediary under the Consumer Credit Directive(CCD) of 2011. The UK Credit Card Centre receives commissions from credit card referrals/applications and credit card sales.
The Barclaycard Initial Credit Card is designed to help you strengthen your credit rating. Plus this card comes with many of the great Barclaycard benefits such as identity theft protection, purchase protection, travel assistance, and the mybarclaycard service that lets you manage your card online.
|
Barclaycard Initial Credit Card Details |
|
|
