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How to avoid default fees in the future

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Youre automatically charged default fees if you make a late payment or go over your credit limit. Here are handy tools to help you
avoid fees in the future.

Whats a late payment fee?

An overlimit fee is applied when your total outstanding

balance goes over your credit limit. This could happen due
to new purchases, interest or fee charges.

Tips on how to avoid this:

Tips on how to avoid this:

Missing payments or going over limit:

If you miss a payment or go over your credit limit, well

charge you a default fee and your credit records may be
affected, meaning it may be harder or more expensive for
you to borrow in the future.
This could also lead us to review your account and we may
change your interest rate (or rates).
Incurring fees will also mean it could take you longer to pay
off your outstanding balance. Please look at your Terms
and Conditions for further details.
*

Subject to application and status

Track your total balance You can do this any time on

Barclaycard online servicing, at an ATM or by calling us.
You can also set up text alerts on Barclaycard online
servicing when your balance approaches your credit limit
Review your statement New purchases add to any
outstanding balance you may have for example, purchases
made after your previous months statement. This may
take you above your credit limit. Do not forget, interest and
fee charges, if any, can also take your total balance above
your credit limit. Your statement includes expected interest
charges for the following month. Plan your purchases
and payments
Minimum payment If your minimum payment doesnt take
you below your credit limit, youll need to pay more to
avoid another overlimit fee (remember, you can also make
additional payments at any time)
Contact us If youre close to your credit limit, you could ask
for an increase*. Visit barclaycard.co.uk/login or call us on
0800 151 0900 or 0333 200 9090.

Free independent advice:

If its ever difficult to talk to us, you can always speak

to an independent organisation for free impartial and
confidential advice.
StepChange Debt Charity Call them on 0800 138 1111 or
visit stepchange.org for debt advice for anyone in the UK
National Debtline If you live in England, Wales or Scotland,
call 0808 808 4000
My Money Steps For help with managing your money
visit mymoneysteps.org
Citizens Advice Bureau For help on debt and other
topics visit your local Citizens Advice Bureau or go to
adviceguide.org.uk

Barclaycard online servicing

Barclaycard online servicing is a great way to view your statement, pay your bill, check your credit limit and manage your
account. Registering is as easy as 1, 2, 3.

Account alerts

Once youve registered, sign up for a range of free text or email alerts to help you stay in control of your account. To set up
and change your choice of handy alerts, simply log on to Barclaycard online servicing.

Having problems making your payments?

If youre worried about your finances, you can get practical advice from our helpline. The number is 0800 151 0900 (landline)
or 0333 200 9090 (mobile).

This information is also available in large print, Braille or audio format by calling 0800 161 5326.
We also offer a Next Generation Text or SignVideo service. For more information visit barclaycard.co.uk/accessibility
Calls to 0800 numbers are free from UK landlines and personal mobiles, otherwise call charges may apply. Calls to 03 numbers use free plan minutes if available;
otherwise they cost the same as calls to 01/02 prefix numbers. Please check with your service provider. To maintain a quality service we may monitor or record phone calls.
barclaycard.co.uk
Barclaycard is a trading name of Barclays Bank PLC. BarclaysBankPLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Registered in England No.1026167. RegisteredOffice: 1 Churchill Place,
London E14 5HP. BarclaysBankPLC subscribes to the Lending Code which is monitored and enforced bythe Lending Standards Board.
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Whats an overlimit fee?

A late payment fee is applied when we dont receive your

payment by the due date (you can find this on your
statement).
Timings Your payment can take a few days to reach us,
so you need to make it in plenty of time
Cheques take four working days to clear
Payments made using Barclaycard online servicing must
be made by 23.45 on the payment due date
Changing your billing date If your billing date isnt
convenient, please give us a call to discuss changing it to a
more suitable date on 0800 151 0900 or 0333 200 9090
Direct Debit Set up a Direct Debit and your payments
will be made automatically. Simply go online at
barclaycard.co.uk/login or call us on 0800 151 0900 or
0333 200 9090
Budget Make sure you have enough money in your
account to cover payments to ensure your payment
doesnt bounce
Payment due date If your payment is currently due at a
time of the month when youre low on funds, give us a call
and well look into the payment dates available to you for
future payments.

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