How to Get a Barclaycard Forward Credit Card and Rebuild Credit Rating

Are you looking for a credit card that can help you build your credit score?

With the Barclaycard Forward Credit Card, you can improve your poor rating and, at the same time, have something to use for groceries, travel and shopping. It’s best suited for individuals who are new to credit and those with a not-so-good credit history.

To find out how you can order this card and qualify to apply for one, read to learn more information.

How to Get a Barclaycard Forward Credit Card and Rebuild Credit Rating

Benefits and Features of a Barclaycard Forward Credit Card

Barclaycard offers a suite of credit cards that lets you earn rewards, take control of your money, and track your spending. In this article, we will dig deeper into the perks and benefits of having the Barclaycard Forward Credit Card.

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The highlight of this credit card is the personalized credit limit. Applicants can request for a credit limit between £50 to £1,200 or higher, but Barclaycard still has the last say. Depending on your financial circumstance, you can get the default amount or higher.

To better track your balance and due date, text alerts are sent weekly. This enables easy tracking of unauthorized transactions if there’s any. Cardholders can also disable this feature any time they want.

Pay off balances on time and in full by subscribing to the Direct Debit payment option. When the due date is up, the balance can be deducted from your savings automatically. You can choose if you are only allowing the minimum amount, fixed amount, or full amount for the payment option.

Best of all, the Barclaycard Forward Credit Card is powered by Visa. Cardholders can enjoy worldwide acceptance and get access to exclusive deals and promos. Visa cards also have a contactless feature, which acts as a ‘tap and go’ payment scheme.

Eligibility and How to Apply for a Barclaycard Forward Credit Card

To apply for this credit card, applicants need to provide personal and employment information to Barclaycard. Eligible applicants need to be at least 18 years old, a UK resident, in employment, earning a minimum of  £3,000 per year, and have an existing bank account. The bank also requires applicants to submit information about residence and declare if they have been bankrupt within the last six years.

The application can be made online through the Barclaycard website, through a phone call, or by visiting a branch. For the online application, Barclaycard offers a Free Eligibility Checker to know if you can qualify for this credit card or not.

If successful in your application, the credit limit assumed amount is £1,200, but applicants are free to request for a specific amount. Note that the bank can either approve or decline this request depending on your personal circumstance.

Barclaycard Forward Credit Card Fees & Charges

  • No annual fees
  • Interest rate — 34.9% APR on purchases (0% for first 3 months)
  • Foreign usage Fee — 2.99% per transaction
  • Balance transfer introductory fee — 24.9% per balance transfer
  • Late payment fee — £12

Note that this is not a comprehensive list of fees associated, and for more information regarding what you can expect, refer to the Barclaycard website.

Conclusion

Overall, the Barclaycard Forward Credit Card is a valuable card for those who want to rebuild and improve their credit rating. To reap the benefits and continue using this card, paying for the balances on time is a must. Visit the website of Barclaycard today to apply.

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