B....y Barclaycard

franksingleton

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Whilst away from home this August, Barclaycard emailed me to say that they were sending replacement credit cards to our home address. My existing card had 6 months to the expiry date. I called Barclaycard to say that I would not be at home for several weeks and that we had no forwarding address. After telling me that they had no record of my current card and querying that I had got the right number – I can read, they agreed not to send the new card until we asked for it.

About 10 days later, in France, my card was refused. I then had a telephone call lasting about one hour being passed from pillar to post and back with innumerable requests to “Hold on, please.” Finally, I was told that a new card had been sent to my home address and that, as a consequence, my existing card had been cancelled. Further, despite my protestations, it could not be re-validated. Barclaycard, having put me into a mess could do nothing to help.

They did offer to send me a replacement. Impossible at the time, I tested that later when we knew we would be in port for 5 days due to adverse winds. Visa, who handle replacement could not give me a delivery date – “It depends on whether the bank agrees!” Not helpful.

Barclaycard seem quite oblivious to the fact that people can be away from home for days, weeks or months at a time. They also seem to assume that having sent a new card it has been received. I had no further emails from them advising that they were about to cancel my card. In any case, they should not assume that emails or text messages have been received by a customer. It seems not to have crossed their tiny minds that a temporary block would have been a safer option than cancellation. At least, I could have called them and got the block lifted, may be with a temporary block on the new card.

In all, I had three very long calls to Barclaycard. In each case, so-called “Customer Services” were useless. Everyone seemed to have to pass the call on to “My colleague” or have to ask “My colleague.” As a service it is not fit for purpose.

Has anyone else had a similar experience or did I draw the short straw?
 
I've had a Barclaycard for as long as there have been Barclaycards. In fact I have two. One for general over the counter shopping and one for mail orders and internet shopping

I have never had any problems when contacting them, although that has not been very often.

I do not think I usually use a new card until just before the old one expires, except of course when the old one has been cancelled for some other reason, so a bit of a mystery why yours was cancelled ahead of its expiry date. Normally not long between receiving the new card and the old card expiring.... never 6 months. Maybe the new way of doing things

Perhaps they detected something abnormal........ large transaction in a foreign country >

Generally perfectly satisfied with the service from Barclaycard
 
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About 10 days later, in France, my card was refused. I then had a telephone call lasting about one hour being passed from pillar to post and back with innumerable requests to “Hold on, please.” Finally, I was told that a new card had been sent to my home address and that, as a consequence, my existing card had been cancelled.

With both my UK banks (RBS and Co-Op) it seems that using the new card for the first time is what cancels the old one, which seems like a far more sensible scheme.
 
Endless challenges to a simple life from Barclaycard.

For complex reasons our Barclaycard is in my wife's name [ she had a job when we applied and I was retired] . She has little interest other than spending it.
My job is to make sure that we do not spend too much and that we settle our bills.

We were not always in the same country and I wanted to know how much I had to pay. Was not allowed to get on line and access the account.
Call 'customer services'

Them - is Mrs Williams there?
Me: - No, she is in England and I am in France.
Them: - Since the account is in her name we need her permission to talk to you!
Me: Can I guess at the rough amount I need to pay you to clear the account?
Them: No!
Me: Can you see the number I am calling from?
Them No
Me: Can you call the number that is registered to this account? [I know it is my mobile number]
Them: No, she might have had her phone stolen.

Anyway, the only reason we got the card was for the better deal on foreign transactions.
We have now migrated to Starling. I know it's a sort of prepaid card, but you can get a credit card type option.
And they employ human beings and have actually delivered so far.....
 
I always carry three Different credit cards for just this kind of balls-up. Have had to resort to number two card on a couple of occasions, but so far number three has remained unused.
 
Endless challenges to a simple life from Barclaycard.

For complex reasons our Barclaycard is in my wife's name [ she had a job when we applied and I was retired] . She has little interest other than spending it.
My job is to make sure that we do not spend too much and that we settle our bills.

We were not always in the same country and I wanted to know how much I had to pay. Was not allowed to get on line and access the account.
Call 'customer services'

Them - is Mrs Williams there?
Me: - No, she is in England and I am in France.
Them: - Since the account is in her name we need her permission to talk to you!
Me: Can I guess at the rough amount I need to pay you to clear the account?
Them: No!
Me: Can you see the number I am calling from?
Them No
Me: Can you call the number that is registered to this account? [I know it is my mobile number]
Them: No, she might have had her phone stolen.

Anyway, the only reason we got the card was for the better deal on foreign transactions.
We have now migrated to Starling. I know it's a sort of prepaid card, but you can get a credit card type option.
And they employ human beings and have actually delivered so far.....
I don't like to defend BarclayCard but there is really not a lot else they can do. A combination of Data Protection and confidentiality means they cannot discuss the account with anyone other than the account holder.

My own personal gripe with them was a few years ago when I was in Hong Kong - the first time I used my card there they blocked it and then phoned my home (UK) number to try to ask me if I were indeed in HK. Somehow they felt that was the logical thing to do
 
I had a similar problem with HSBC. Just arrived in Turkey only to be phoned by HSBC to say my card had been cancelled and that a replacement was being dispatched to my home address. Luckily I had an alternative prepaid card and other credit cards with me and was not seriously inconvenienced. Appears my card was used by me at a retail outlet where cloning was found to have occurred and it was cancelled as a precaution.
More recently my Barclaycard was replaced early this summer with no explanation. Somewhat puzzling. Perhaps they were upgrading to contactless.
 
I think that your approach was wrong. I have no idea why the issued a new card but it would be standard to cancel the old card. What I would do is call up ask them to cancel the new card as you had it stolen then say you are on holiday for three weeks and you need an emergency replacement. they must have procedures for people who lose their crads whilst abroad, I think they used to run adverts with someone like Rowen Atkinson to say how their emergency service will get you out of trouble.
 
First, we had been in the U.K. for 2 months, unusually for us, and we had no large payments. we were still in the U.K. when I got the email but on our way to France. I did not ask for a new card. BC, apparently, just decided to send one. I have no reason to believe that their Customer Service staff were not doing their best. They simply did not seem to have information to hand - eg my first call when I was still using my existing card, I was told they had another set of last 4 digits to the set I had on my card. I tried to put a complaint in writing on their “Help” page bu got a message saying I was using invalid characters. I was not. It took about 45 minutes for an “Advisor” to ascertain that I had to type in and not use copy and paste. When I tried to get a card sent out BC staff went through all the rigmarole of taking down a delivery address in France only then to transfer me to Visa who had zero information about me.

In the past, I have had good helpful contact. This was a total shambles all because with no warning they cancelled may card because, as they said, a new one had been issued. A balls-up to use a technical term.
 
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So what type of anchor were you all trying to buy with these cards? If you were turned down for security reasons did you try buying an oversized rocna?
 
I always carry three Different credit cards for just this kind of balls-up. Have had to resort to number two card on a couple of occasions, but so far number three has remained unused.

I do the same thing, and it got me out of a situation a couple of years ago where my primary card was ancelled because of a suspected cloning, so just use the alternative cards until I go back home and could sort it out.
There doesn’t seem to be any reason not to have at leadt one alternative card, usually kept seperately so if I lost one I’m not stuck.
 
Of course, I have more than one card , only an idiot would not, but that is not the point. BC cancelled my card BECAUSE they had issued a new one and despite not knowing whether I had received the new card. They could just as easily have blocked my existing card pending the new one being used. Cancellation is irreversible.
 
Works both ways - if your card is stolen / cloned etc. and you get your statement at the end of the month, or a phone call at the time, telling you your card has been used in France/Hong Kong, you expect the bank to bare the loss and they will. So it makes sense they look to limit their exposure by cancelling cards when there’s suspicious activity or trying to ratify whether fraud had occurred. It stands to reason if a card had been stolen it may be near/with your mobile, making a landline the safest number to verify the transactions.

Clearly the customer experience hasn’t been great because of this and, if you believe it has caused you a financial loss or distress and inconvenience, your best bet would be to log a complaint when you get home.
 
Works both ways - if your card is stolen / cloned etc. and you get your statement at the end of the month, or a phone call at the time, telling you your card has been used in France/Hong Kong, you expect the bank to bare the loss and they will. So it makes sense they look to limit their exposure by cancelling cards when there’s suspicious activity or trying to ratify whether fraud had occurred. It stands to reason if a card had been stolen it may be near/with your mobile, making a landline the safest number to verify the transactions.

Clearly the customer experience hasn’t been great because of this and, if you believe it has caused you a financial loss or distress and inconvenience, your best bet would be to log a complaint when you get home.

First, yes I have a complaint in draft for posting when we get back home. Secondly, I take your point, but why not block a card in this situation? As far as I have been told, the sole reason for cancellation was that they had issued a new card. There has been no suggestion of fraud. Blocking would, presumably, stop fraud giving the customer the opportunity to discuss options. Cancellation when there is no suggestion of fraud seems too heavy handed and makes no allowance for BC stupidity.
 
First, yes I have a complaint in draft for posting when we get back home. Secondly, I take your point, but why not block a card in this situation? As far as I have been told, the sole reason for cancellation was that they had issued a new card. There has been no suggestion of fraud. Blocking would, presumably, stop fraud giving the customer the opportunity to discuss options. Cancellation when there is no suggestion of fraud seems too heavy handed and makes no allowance for BC stupidity.

But why was the new card issued so far in advance of the old one expiring ????????? Normally its only a couple of weeks or so at most.

It sounds more like a case of issuing a new card because the old one was being cancelled, even so they should give you a proper explanation

In my book an email notification is not adequate.......... if I am away from home I probably won't see my emails until I get home again.

I reckon its human error. Someone mis-typed a number and cancelled the wrong card!


Presumably the new card is a new number ????
 
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I've had a Barclaycard for as long as there have been Barclaycards.

I was given a Barclaycard for free when they were invented. Barclays were berated for doing that without even requiring an application by the customer. But when the card required a regular payment I relinquished it and have not have a chargeable card since. Maybe I made the right choice!

Mike.
 
Works both ways - if your card is stolen / cloned etc. and you get your statement at the end of the month, or a phone call at the time, telling you your card has been used in France/Hong Kong, you expect the bank to bare the loss and they will.
It really is a lot more complicated than that, but in fact the card issuer is rarely the one left taking the loss.
 
But why was the new card issued so far in advance of the old one expiring ????????? Normally its only a couple of weeks or so at most.

It sounds more like a case of issuing a new card because the old one was being cancelled, even so they should give you a proper explanation

In my book an email notification is not adequate.......... if I am away from home I probably won't see my emails until I get home again.

I reckon its human error. Someone mis-typed a number and cancelled the wrong card!


Presumably the new card is a new number ????

I have had cards issued well in advance before but, I suppose, being at home I did not give it a thought.. I did not think about what would have happened had we been away. At one time you had to call BC to validate a new card.

Your point about email is part of my beef to BC. They, themselves, say that email is not a secure method of communication, yet they use it and, apparently, assume that an email or a text message has been received. If there was a security problem they have not said do. They only said that they issued a new card. There must be many sailors who spend considerable periods out of internet contact. We have done many passages in the 1 - 3 days bracket, others will have done far more.

I hope this is a one-off. I hope that my letter might make them think. Meanwhile, be warned. I doubt that that my experience is unique.
 
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