What happens if i dont pay my barclaycard

Please note, we will charge you a late payment fee no more than four times in a year. Managing your payments. What you can do to avoid default fees. App guides Online servicing guides. Interest on default fees. Stay on top of your credit rating. Fees for balance transfers and offers. Fees for using your card abroad.

If you have a Barclaycard, you can find out what you owe on a monthly basis by using Barclaycard online servicing or the app. How much interest you pay depends on which card you have and how long you take to pay it off. To avoid spending money on credit card interest that you could instead put towards something you really want, you can:. Pay your bill in full and on time to avoid carrying a balance.

See how increasing your monthly payments could mean you pay less in interest by using our Repayment Calculator. When you only pay your minimum payments, your outstanding balance sticks around for longer. This could mean needing to use more of your credit limit than you otherwise would.

This means it can take a long time to clear your balance. For example, on a card with You'll find your long card number on the front of your Barclaycard and on your statements. If you've forgotten both your passcode and your memorable word, please select the 'Forgotten passcode' link on the login screen and follow the on screen instructions. If you are a Barclays account holder you can pay using Barclays telephone or online banking services. You can also pay using the Barclays Mobile Banking app.

You must be 16 or over and have a Barclays current account to use Barclays Mobile Banking. Terms and conditions apply. If you are a non-Barclays account holder then you can pay via your respective bank's telephone and online services. In just a couple of taps on your mobile you can securely pay your bill whenever you like with the Barclaycard app and your debit card. It's simple, just log in using your Barclaycard app passcode. You can pay over the phone by calling us on You'll need your Barclaycard and your debit card to hand.

You can ask us to change your payment date by using the 'Chat' feature in the Barclaycard app - you can find it under 'Contact us' on the help page. Just tell us what date you'd like and we'll send you a notification when we reply, so there's no need to wait. You can also get in touch with our Customer Services team and ask them to change your payment date for you.

If your payment is declined, we recommend you check the details you entered and try again. Also, check that your debit card has not expired or been replaced. If you are making a payment online and you have previously saved your card details, please check that your card has not expired or been replaced before you select it to make a payment.

If the payment is still declined by your debit card issuer you will need to contact them for more information. Please note that payments are authorised straight away with your debit card issuer.