Get refused while trying to make transactions with your Barclaycard?
Having trouble making a Barclaycard payment?
If that’s the case, you’ve found the proper place to have your questions answered. In this article, we’ll break down the possible causes of your Barclaycard’s inactivity, making it easier for you to isolate the problem and fix it.
So let’s not dally and get right down to business.
Barclays Bank is a financial institution that may only be accessed online, and it specializes in savings and certificate of deposit accounts. Although it does not provide bank accounts or any other forms of borrowing, it does provide credit cards and personal loans (by invitation only).
Why is my Barclaycard not working?
Short Answer: Your Barclaycard is not working either because the credit limit has been achieved, incorrect information was provided, there is a hold on your card, due payments were missed, the Barclaycard has expired, or the purchase has been marked as fraudulent.
1. The credit limit was reached.
If your Barclaycard’s spending limit has been reached, the card will no longer function. You should be aware of your credit card’s limit and maintain track of your balances so that you don’t unexpectedly run out of available credit before the conclusion of your billing cycle. Notify your credit card company and ask for a higher credit limit if you often find yourself near the limit.
A credit usage rate of 30 percent or below is recommended for maintaining a decent credit score. Maintain your balances below 30% of your available credit at all times. Don’t try to spend additional money if you’ve already surpassed your limit; instead, focus on developing a strategy for reducing your existing debt.
2. Billing information was incorrect.
It’s easy to make a mistake while entering your credit card number, expiry date, or security code when making a transaction, particularly on a mobile app. Perhaps your current address is no longer valid for billing purposes.
Potentially easy fixes exist for your Barclaycard’s ineffectiveness. Verify that the credit card details you entered are accurate. Particularly if you have more than one billing address, you should take your time entering the information and rereading it before submitting it.
3. Your card has a hold placed on it.
Rental car agencies and motels, among others, may place a hold on your card before you check out to make sure you have enough funds in your account to cover the whole cost of your stay. A payment attempt using your Barclaycard will fail if this is the case. This is because your card issuer could not authorize any more transactions until the hold is removed.
Preparing ahead of time for expenses like vehicle rentals and hotel stays will help you avoid stressing about whether or not your payment will be accepted.
4. Due payments were not made.
If you’ve ever been late on a payment before, you know how important it is to get in touch with the issuer and make that payment as soon as possible. However, if you have a pattern of late or missing payments, your Barclaycard will not operate at the register even though you are just a few days beyond the date on which it was due.
It is possible that certain stores now accept mobile payments made by customers while they are physically present in the shop. If you tend to forget when your bills are due, however, you may want to set up autopay or an alert.
5. Barclaycard is no longer active.
A new credit card from Barclays will arrive in the mail before your existing one expires. Unfortunately, your Barclaycard will no longer function if you have moved and neglected to change your address or if you have inadvertently continued to use your old card.
To prevent having your Barclaycard denied because it has expired, be mindful to change your contact details with Barclays whenever you relocate.
The same holds for authorized user accounts; any changes made by the principal cardholder might affect your usage of the account. When a card is declared lost or stolen, for instance, all cards associated with that account will be temporarily disabled until replacement cards are provided. The same thing happens when the main cardholder fails to make a payment or hits the account’s credit limit. You might be impacted even if you’re an authorized user.
Maintain contact with the principal cardholder of any accounts on which your information appears, and be aware of any expiry dates that may affect your ability to use the cards in question.
6. Purchase was marked as fraudulent.
Barclays is always on the watch for suspect conduct, particularly credit card fraud since it is the most prevalent form of identity theft. While having a perfectly genuine transaction reported as suspicious may be unpleasant at the time, it may end up saving your bacon in the long run.
If you don’t catch identity theft right away, criminals might use your data to open a lot of fraudulent accounts and drain your bank account. If your Barclaycard is ever refused despite your having a sufficient amount of available credit, you should contact Barclays immediately. It is important that any freezes imposed by the issuer may be removed by a representative.
Contact Barclays and let them know you’ll be traveling internationally if you are. They may make a notation on your account to help prevent any rejections while you’re gone. However, while traveling abroad, it is prudent to bring along other payment options.
1. Why does my Barclaycard keep getting declined?
You may get in touch with their Customer Service Department if you’re still having issues using your Barclaycard. Another possibility is that you have reached your credit limit; to find out, go to the Barclaycard website and check your balance. After signing in, you’ll have access to account management tools including email notifications.
While we recommend taking the aforementioned precautions, we cannot guarantee that your Barclaycard will never be denied. It may be necessary to contact your card issuer to clear a perfectly lawful transaction that was flagged as suspicious. The added layer of protection isn’t harming anybody, but it may be inconvenient for some.
Having earned a Bachelor’s degree in Commerce from Ravenshaw University, with a background in Accounting and Finance, Akshita Pattanayak contributes to UniTopTen by writing clear and concise articles based on Finance-Tech. With more than a hundred fin-tech related articles, she hopes to educate people about how banking and payment apps function.