General/additional information
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How can I contact Customer Service about my card?
You can contact Customer Service at the number on the back of your card. If your card isn't available, please call 888-232-0780.
Card and PIN information
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How do I get a PIN for my chip card?
You can create your PIN online by logging in to your account and selecting Manage my PIN from the Services menu on your homepage. If you call us to activate your card, you can also create a PIN at that time.
You'll need a PIN to get a cash advance from an ATM. Your Cash Advance Annual Percentage Rate (APR) will apply. -
What do I do if I forget my PIN?
If you forgot you PIN, here’s what you can do:
1. Log in to the Barclays website
2. Go to the Services tab
3. Select Manage your PIN
4. Click on Change your PIN
5. Create a new 4-digit PIN
You can also call the number on the back of your card to set up a new PIN.
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Is there a cost to replace my credit card after my account was closed due to fraud?
No, there is no fee to replace your card if it's lost or stolen.
You can replace your card anytime by selecting Manage my cards on the Barclays US App or website. After your card is ordered, look for the Card tracker at the top of the app or website for delivery information. Most customers receive their card in 3-5 days, but delivery may take up to 10 days. -
Can I request additional cards for authorized users for my account?
Yes, a primary cardmember can add up to 5 authorized users to their account. Once the authorized user has been added to the account, the primary cardmember can request cards for their authorized users. Simply log in to your account online and select Authorized users from the Services menu to add them and request cards.
You can also request cards in the Barclays US App. Choose an account, tap the hamburger menu, select Account settings, then select Authorized users, tap Add, enter in the required information and confirm card delivery. -
What is a Credit Card Security Code?
This is the 3-digit code that's printed on the back of your card. It provides additional security when you purchase something online or over the phone.
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I can't read my Credit Card Security Code. What should I do?
You should request a new credit card.
In the Barclays US App, select an account, scroll down to the bottom and select Damaged card under Manage my cards (or tap the hamburger menu, scroll down and select Manage my cards and select Replace damaged card). Confirm which card you want to replace, verify the information and tap on Confirm.
You will receive confirmation that your request has been submitted and you will be given the opportunity to immediately add your replacement account to your digital wallet so you can continue making purchases via your digital wallet while a new card is being sent to you in the mail.
You can also request a replacement card online by selecting Manage my card from the Services menu.
Cash advance
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How do Cash Advance Checks work?
A Cash Advance Check lets you access money from your credit line. You can use it anywhere a regular check is accepted for any amount up to your available Cash Advance limit. Your Cash Advance rate will apply. Check your Cardmember Agreement for your Cash Advance APR.
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Is there a fee for Cash Advances or for using a Cash Advance Check?
Yes, you can find specific details around fees and APRs in the Pricing Information section in your Cardmember Agreement. If you don't have a copy, you can request one online by logging in to your account and selecting Cardmember Agreement in the Services menu.
To view your Cardmember Agreement in the Barclays US App, choose Account Settings in the hamburger menu then select Cardmember Agreement and tap Request Agreement.
To view your Cash Advance APR on the website, click the View balance details link in the current balance tile on your account homepage.
You can also view your APR information In the Barclays US App. Select Account Settings in the hamburger menu, then choose Account Details.
This information is also listed on your monthly statement.
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How do I request Cash Advance Check copies?
To order Cash Advance Check copies, call Customer Service at the number on the back of your card.
Please be ready to provide the following information:
• The account number of the Primary Cardholder
• The requested check number
• The date your check cleared
• The amount of the check and the delivery method (email or regular mail)
Please allow 12 to 15 business days for your copies to be delivered.
Credit line and credit score
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What is a Credit Score?
A credit score is a three-digit number based on information from your credit report that lenders use to gauge your creditworthiness. The FICO® score, which ranges from a low of 300 to a high of 850, is the most widely used credit score in lending decisions.
For more information, log in and go to the FICO® score feature on your account. Select Credit 101 from the Services menu to view additional information about credit management.
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What is a credit line?
A credit line or credit limit is the total amount of credit you have that can be used for purchases, balance transfers and cash advances. Not all of your credit line may be available for cash advances.
You can view your credit line and available credit on your account homepage or on the Account Summary page in the Barclays US App.
FICO® Score
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Does accessing my FICO® Score through the complimentary program affect my credit score?
No, viewing your FICO® Score through this program will not impact your credit score in any way.
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How often does my FICO® Score change with the complimentary program?
We typically receive updated information from TransUnion monthly. Whenever we learn that updated information affects your FICO® Score, we will send you an email alert letting you know that your FICO® Score has changed.
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Why is my complimentary FICO® Score different from other sources?
It's common for credit scores using unique scoring models to differ. If your other score is not labeled as FICO, it isn’t a true FICO® Score. Your FICO® Score is based on the credit information in your credit report at the time your score was calculated. Please note the date your score was produced, which credit agency's data the score was based on, and which Score Model was used. FICO has several different score models currently in use – our program uses the FICO® Score 8 model. Other reasons for differing scores may include:
• Your credit report with each consumer credit reporting agency (Equifax, Experian and TransUnion) may differ
• One agency may have more up-to-date information, which may cause differences in your FICO® Scores between agencies
• The credit reporting agencies may record the same information in slightly different ways
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I received an email saying my FICO® Score changed, what was it before?
Whenever we receive an updated FICO® Score that differs from your previous score, we'll send you an email alert letting you know that your FICO® Score has changed.
Click on the link in the email and log in to your account to view your score. You can also log in and select Your FICO® Credit Score from the app menu or Services dropdown on our website. From there, you can select the Score history tab to view past scores.
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Why did my FICO® Score change?
The FICO® Score provided by Barclays is based on credit information in your credit report from TransUnion. The credit data that was used to create the score routinely and frequently changes. Here is a small sample of the changes that could impact your score:
• Reported account balances at the time of scoring (even if those balances are paid in full by the due date)
• You've closed accounts
• A creditor proactively closed an account
• New credit inquiries (requests for new credit accounts, cell phone plans, etc.)
• New credit account(s) being reported
Keep in mind that certain events such as late payments or bankruptcy can lower your FICO® Score very quickly.
Promotional rates
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If I have a promotional rate, how will I know when it will expire?
Check your most recent Monthly Billing Statement for your promotion's end date. You can view your most recent statement on the Barclays US App or website.
Statements
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I haven't received my statement. What should I do?
If you haven't received your paper statement within 7-10 days from the date your billing period closes, please call Customer Service at the number on the back of your card.
You can view your statements through the Barclays US App or website. On the mobile app, select an account, tap the hamburger menu, select Statements then choose the monthly statement you wish to view.
On the website, log in to your account and select Statements from the Activity & Statements menu.
Transactions
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What are temporary authorizations and what types of merchants generally use them?
Merchants use temporary authorizations to confirm that your credit card account is valid or has sufficient available credit. Gas stations, restaurants, hotels, car rental agencies, airlines and many other merchants commonly use temporary authorizations because the card information is often provided before the final transaction amount is known. For example, you may see a temporary $1.00 charge for gasoline when you pay at the pump. This temporary charge will be removed once the final transaction posts to your account.
Temporary authorizations may appear on your account for up to 10 days. If you notice an error or need to remove an authorization, please contact the merchant directly.
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I wish to cancel a subscription or membership that I paid for using my Credit Card. What should I do?
Please contact the merchant directly and let them know you want to cancel your service. Be sure to get a cancellation/confirmation number to verify they completed your request.
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How do I download my transactions into my financial management software such as Quicken?
Log in to your credit card account and select Transactions from the Activity and Statements menu, then click Download transactions. Choose your financial software from the list provided and select your dates. Then, click the Download button.
If you're still having difficulty, visit quicken.com/support for further assistance.
Travel
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What do I do if I lose my card while I am traveling and need funds?
Please report your lost or stolen card online or through the Barclays US App. Log in to your account and select Manage my card from the Services menu to view your options: Report fraud and Lost card. We'll expediate a replacement card to you with a new number.
If you report your lost or stolen card through the mobile app, you can add your new card number to your digital wallet, giving you uninterrupted use of your account.
If you need help, please call Customer Service at 888-232-0780.
In you need an immediate cash advance, you should contact Mastercard or Visa directly to utilize their emergency services:
• Mastercard: 1-800-627-8372
• Visa: 1-800-847-2911 -
Can I use my card while traveling outside the United States?
Yes. Your card is accepted at all merchants who accept Mastercard®, VISA® or American Express®.
We suggest you notify Barclays of when and where you are traveling outside the country. You can provide your travel information through the Barclays US App or online through the My travel option in the Services menu. In the mobile app, choose an account, tap the hamburger menu, select Travel notification, tap on Add new trip, complete the required information, tap Review and then Submit.
There is the possibility that a transaction might be flagged as fraud if we aren’t notified about your travel.
We'll also accept the charges if you need to reach us through a collect call at 001-302-255-8888.
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How can I contact you while traveling outside of the United States?
We recommend you download the Barclays US App prior to your trip. You can log in and chat with us regarding any issues you may encounter.
You can also call us free of charge at the number on the back of your card.
If you don't have access to your card, please call Customer Service at 866-928-8598. You can also reach us on Facebook and Twitter.
We'll also accept the charges if you need to reach us through a collect call at 001-302-255-8888.
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How can I protect my credit card account while traveling?
Protect your credit card account while traveling with these simple steps:
1. Notify us of your travel plans through our website or mobile app. On the website, log in to your account and select My travel from the Services menu. On the mobile app, select an account, tap the hamburger menu, select Travel notification, tap Add new trip, complete the required information, tap Review and then Submit.
2. Update your personal data and phone numbers.
3. Keep all receipts from your trip.
4. Check your account for suspicious activity upon your return. You can report fraud or submit a dispute online.