How to Apply for your Barclaycard Forward Credit Card

The Barclaycard Forward Credit Card is an excellent choice for those looking to build or improve their credit history. It stands out among other credit-building cards by offering a range of benefits and features tailored to help you establish a stronger credit profile while providing valuable perks along the way.

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Barclaycard Forward Credit Card Benefits

See below the benefits offered by this card:

• Personalized Credit Limit: With a personalized credit limit ranging from £50 to £1,200, the Barclaycard Forward Credit Card offers flexibility that adjusts to your needs. Whether you’re just starting your credit journey or looking to rebuild your credit, this card provides a manageable limit to help you stay on track.
• 0% Interest on Purchases: Enjoy 0% interest on purchases for the first three months after opening your account. This gives you a head start to manage your spending without incurring any interest during this introductory period.
• Price Promise: Barclaycard’s unique Price Promise rewards you for good payment behavior. If you make all your payments on time during the first year, you’ll receive a 3% reduction in your interest rate. Keep up with timely payments for another year, and you’ll earn an additional 2% reduction. This feature helps you lower your interest rate while improving your credit score.
• Cashback and Entertainment Offers: the card also comes with access to Barclaycard Entertainment, where you can get 5% off selected events, 10% off presale tickets, and discounts on food and drinks at venues.
• Fraud Protection 24/7: Barclaycard offers 24/7 fraud protection, ensuring that your card activities are monitored for any suspicious behavior. Whether you’re shopping in-store, online, or abroad, you’ll have peace of mind knowing you’re protected from fraudulent transactions.
• Use Abroad with One Simple Fee: When using your Barclaycard overseas, you’ll benefit from a simple and secure payment system. If you lose your card while traveling, Barclaycard provides access to an emergency replacement card or cash, making it an ideal travel companion.
• Free Additional Cardholder: You can add a second cardholder for free, offering flexibility for emergencies or day-to-day tasks like weekly shopping. This feature is perfect for families or trusted individuals who may need to access the account.

Who is this card for?

The Barclaycard Forward Credit Card is designed to help individuals with a poor or limited credit history improve their financial profile.

By making consistent, on-time payments, you not only improve your credit score but also benefit from potentially reduced interest rates over time.

What You Should Have to Apply

To be eligible for the Barclaycard Forward Credit Card, you must meet the following criteria:

• Be 18 years or older
• Have not been declared bankrupt in the past six years
• Have no more than one County Court Judgement (CCJ)
• Have been a permanent UK resident for at least two years
• Be employed with an annual income of more than £3,000

Step-by-Step to Apply for the Barclaycard Forward Credit Card

Applying for the Barclaycard Forward Credit Card is simple and fast. The entire process can be completed online in just a few steps, see below:

1. Apply Online: Visit the official Barclaycard website, select the Barclaycard Forward Credit Card, and press the “Apply Now”, before you can also check your eligibility to ensure a smoother application
2. You will need to provide personal details such as:
   • Proof of residency for the last two years
   • Phone number and email address
   • Employment details
   • Your annual income (before tax) and an estimate of your monthly outgoings
   • Your bank account number and sort code

   You may also be required to submit copies of your last two bank statements or payslips once your application is processed.

3. Wait for Approval: After completing the application and submitting your information, you’ll receive a response within a few minutes. If approved, your card will be dispatched to you within five to seven business days.

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Barclaycard Forward Credit Card Fees and Tariffs

The Barclaycard Forward Credit Card has a representative APR of 33.9% (variable), which is standard for credit-building cards. However, by adhering to the Price Promise, you can reduce this rate significantly. See below the other fees associated with this card:

• No annual fee
• 0% interest on purchases for the first three months
• Cash transaction fee: 2.99% minimum £2.99 on sterling and non-sterling cash transactions only
• Balance transfer and purchase plan fees are personalised and will be communicated to you after approval.

Barclaycard Forward Credit Card Pros and Cons

Pros

• Helps build a strong credit profile with responsible use.
• Competitive interest rate that decreases with timely payments.
• Cashback and entertainment discounts through Barclaycard Entertainment.
• No annual fee and 0% interest for three months on purchases.
• 24/7 fraud monitoring for added security.

Cons

• Requires a large amount of documentation during the application process.
• Annual income requirement of at least £3,000.
• Low initial credit limit, starting from just £50.

How to Activate Your Card

Once you receive your Barclaycard Forward Credit Card, you can easily activate it using the mobile app or via online banking.

1. Activate via the App: Download the Barclays App from the Play Store or Apple Store. Once logged in, select the option to “Activate Now” and follow the on-screen instructions.
2. Activate Online: Alternatively, you can activate your card by registering an online account on the Barclays website. After logging in, you’ll find the option to activate your card.

Customer Service

For any questions or issues, Barclaycard offers multiple ways to get in touch:

• Phone Support: Call 0800 151 0900 or 0333 200 9090 if you’re an existing Barclaycard customer.
• International Customers: Dial +44 1604 230 230.
• Fraud Support: Available 24/7 at 0800 318 665 or +44 (0)1452 828 309 for international customers.
• You can also manage your account via the Barclaycard mobile app, available on both Android and iOS.

The Barclaycard Forward Credit Card is an ideal option for individuals seeking to build their credit history while enjoying valuable benefits such as cashback, reduced interest rates, and fraud protection.

With its personalized credit limit and competitive fees, this card offers a great balance between credit-building tools and user-friendly features.

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