Credit Card Basics
Call Customer Service at 877-523-0478 to add an additional user to your card. Additional users are a great convenience. You can add someone to your account and they will receive a card that is linked to your existing account. It will even have a distinct card number so you can track the purchases from each card.
It's easy! Login to the website and select ALERTS/PROFILE then PROFILE. There you will be able to update your address,
contact information, employment, account nickname and privacy options.
We offer many services via email. Please be assured that we will never give your email address to any third party. Maintaining your privacy is one of our top priorities. By giving us your email address you can
- Set up Account Alerts, which can tell you when your payment is due, when your statement is available online and much more.
- Hear about special offers on your account.
- Receive notices about changes to your account.
We use the Average Daily Balance method to calculate interest. Please see the back of your statement for details.
The due date is scheduled at least 20 days after the statement is printed so depending on the closing date of your statement, your due date may slightly change but will not vary by more than five days each month.
Credit card disputes must be received in writing. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared.
This will enable us to begin researching and resolving it for you immediately.
Print and complete our
Dispute Form or write a letter that includes the information listed below.
Important: You must sign the letter. Please enclose any documentation that may support your claim and mail to:
Card Services
Billing Disputes
P.O. Box 8802
Wilmington, DE 19899-8802
In your letter, please tell us:
- Cardholder Name, Account Number
- Transaction Date(s), Dollar Amount Charged, Merchant Name
- A complete description of the problem by detailing your attempted resolution with the merchant and outstanding issues
- Any documentation that supports your claim
- Phone number where you can be reached if we have questions
***Important: Please sign the letter
To report a lost or stolen credit card call Customer Service at 877-523-0478.
Contact us as soon as you discover your card is lost or stolen. Please be ready to tell us:
- Suspected location, date and time of loss
- Recent activity information
- Police report information if the card was stolen
- Upon report of a lost or stolen card, we will block your account immediately so no unauthorized charges can be made.
If there are authorized users on the account and only one card is lost, then both cards will not need to be replaced since they have distinct account numbers.
Fraud Investigations
Contact Customer Security at 888-232-0776.
Contact our Customer Security Department at 888-232-0776 as soon as possible.
Once you have spoken with a member of our Customer Security Department, he/she may advise you to print and complete our
Affidavit of Fraud Claimant Form.
Please do not complete this form unless you are directed to do so by our Customer Security Department.
Print and complete our Affidavit of Fraud Claimant Form.
After completion of the form, it can be faxed to 866-836-6378 or mailed to:
P.O. Box 8827
Wilmington, DE 19899-9932
Downloading Transactions
- Log in to our secure website.
- If you have more than one account, select the tab for the account with the transactions you would like to download.
- Click on TRANSACTIONS in the top menu navigation, then click on DOWNLOAD TRANSACTIONS in the secondary menu.
- Choose your financial software from the list (Quicken® versions 2004 and above, QuickBooks® versions 2004 and above, or .QIF Format for all others).
- Enter your preferred Beginning and Ending Dates.
- Click on the DOWNLOAD button.
For Quicken and QuickBooks versions 2004 and higher:
7a.
Depending on your browser, you will be asked what you want to do with the download file. Select "Open this file from its current location" to have the transactions saved to Quicken/QuickBooks. Note: More recent versions of Microsoft Internet Explorer will not require this step.
8a.
If this is the first time you have downloaded information for this account, or if Quicken/QuickBooks cannot determine which the appropriate account is, Quicken/QuickBooks will ask you to identify the account. If you have set up a Quicken/QuickBooks account for this account, click "Use existing Quicken/QuickBooks" account and choose the account from the pop-up list. If you have not yet set up a Quicken/QuickBooks account for this credit card account, click "Create a new Quicken/QuickBooks account" and enter a nick-name.
9a.
Click "Continue." Your account transactions are then sent from your personal computer to Quicken/QuickBooks. Depending on the amount of information being sent, you may see a progress bar indicating how much of the transfer is complete.
10a.
At this point, you can download transactions from another account (go back to Step 2), continue with your online session or log out. Quicken/QuickBooks will remember the transactions that you have downloaded when you use it next.
For .QIF Format:
7b.
Depending on your browser, you will be asked what you want to do with the download file. Select "Save," and save the file to a location on your computer where you can access it later.
8b.
Follow steps 2-6 for any other accounts you would like to download. Note: You must save each account's data with a different file name on your PC.
9b.
After you have downloaded your account information to your PC, open your financial management software and follow the instructions in your user's guide to import the file(s)
you saved to your PC.
Note: Consult the user's manual you received with your financial management software for more details about recommended formats and be sure to follow the manufacturer's instructions for importing data. Importing data may sometimes result in duplicated transactions within your software. Depending on the type of software that you are using, the procedures for downloading information will differ. Please contact the manufacturer for more information or if you have questions.
We currently support Web Connect, an enhanced downloading capability, only for Quicken and QuickBooks versions 2004 and above. Web Connect will enable your software to automatically save your transactions without the need to manually import a separate file. Your transactions will be matched to previously downloaded transactions to ensure that there are no duplicates in your software.
If you are using an older version of
Quicken or
QuickBooks, we recommend you upgrade your software to take advantage of Web Connect.
If you are using
Microsoft Money or other software, you must select the .QIF Format from the drop-down box at this time.
In an ongoing effort to provide reliable high-quality products and services, Intuit (the manufacturer of Quicken and QuickBooks), periodically retires (also known as "sunsets") older versions of its software and discontinues online services and live technical support for these versions.
Under this policy, the most current version of Quicken/QuickBooks plus the prior two versions, will be supported. Intuit believes that by "sunsetting" older versions of Quicken/Quicken, they can focus their resources on enhancing their products and providing support for more current versions, which are used by the vast majority of customers.
The below information addresses the six most common issues encountered when downloading transactions. Please try the recommended steps to correct each issue. If you are still having trouble, please contact Intuit or consult your user's guide.
Quicken no longer recognizes the correct account to update.
If the account you want to update already exists in Quicken but you can't select it when importing, Quicken does not recognize the account you are updating. The procedure below shows how to resolve this issue.
- Deactivate the online functions of the account for the account you want to update.
- Log in to our website and download your Web Connect data into Quicken.
- Within Quicken, click "Use an existing Quicken account", and then choose the account from the list provided.
- Click the "Continue" button. Your recent account history will be transmitted from us to your Quicken software.
- Once the transmission is complete, Quicken will open the Online Center or Online Update Summary.
- Click "Compare to Register" or "Go to Register". At this window, you can accept your recently downloaded transactions into your Quicken register.
Verify you are downloading the correct file type.
Be sure you are choosing the correct format for your financial software from the drop-down list on the DOWNLOAD TRANSACTIONS page. Web Connect is only available for Quicken® versions 2004 and above and QuickBooks® versions 2004 and above.
Empty the Temporary Internet Files folder.
If your Temporary Internet Files folder is large or near its capacity, you may not be able to import a Web Connect file. The most common situations are that you clicked to
download your transactions and nothing happened, or a dialog flashed briefly on your screen. If you use Internet Explorer 6.0, the following procedure shows you how
delete files from the Temporary Internet Files folder. You may still be able to use these steps as a general guide for other Web browsers, but you should consult
the manufacturer's instructions for your browser if you need additional assistance.
- Start Internet Explorer.
- Select "Tools" from your Internet Explorer menu.
- Select "Internet Options" from the drop-down list.
- Click "Delete Files" and click OK when prompted.
The Windows file association may have changed or been corrupted.
Windows uses file associations to identify which program should handle a type of file. If your file association is not correct or damaged, you may
not be able to complete a Web Connect download. If you use Windows 2000, Windows Me, and Windows XP, the following procedure should allow you to
reset your file association. You may still be able to use these steps as a general guide for other operating systems, but you should consult the
manufacturer's instructions for your operating system if you need additional assistance.
- On your desktop, double-click "My Computer".
- Choose Tools menu > Folder Options.
- Click the "File Types" tab.
- In the "Registered file types" list, select the QFX Quicken OFX data. You can Press "Q" on your keyboard to move to the Q section of the list, or you can use the scroll bar.
- Click "Delete" to remove the file type association.
- Restart Quicken, and click "Yes" when Quicken asks whether to make Quicken the default Web Connect application. This step automatically recreates the file association.
- Try again to download transactions with Web Connect.
The QFX file contains errors.
In very rare cases, the Web Connect file itself contains incorrect information. If you need to, you can download the file and view the contents to troubleshoot any errors by trying the following steps: • In Quicken, choose Edit menu > Preferences > Quicken Program. • In the "Select preference type" list on the left, select Web Connect. • In the "Select preferences" list on the right, select both check boxes. • Click OK. • Log in and download your transactions as normal. • Save the file on your computer. • Open the file in a text editor such as Notepad and review the contents for accuracy. • If you find errors, please call Customer Service at the number listed on the back of your card.
Internet Explorer is displaying an error message.
If you are receiving an Internet Explorer (IE) error message stating that IE "cannot download" or it not able to "open this Internet site", please try the following steps:
- Select "Tools" from your Internet Explorer menu.
- Select "Internet Options" from the drop-down list.
- Select the "Advanced" tab.
- Remove the check-mark from "Do not save encrypted pages to disk" (located under "Security").
- Close Internet Explorer completely. In new session, log in and proceed with downloading.
Account Alerts
An Account Alert is a notice alerting you to important account information. Account Alerts can let you know your statement is available online, tell you your payment was received even remind you when your credit card payment due date is approaching. You can receive Account Alerts at your personal Message Center on our website, or at your choice of email, pager, PDA, or cell phone. You choose the Account Alerts you'd like to receive and how you'd like to receive them. The alerts listed below are currently offered.
- Credit Card Payment Due - Notifies you 10 days before credit card payment is due and is a great way to avoid late fees.
- Payment Received - Notifies you when your credit card payment has posted so you know when we received your payment.
- Credit Card Statement Available - Notifies you when your new monthly statement is available online so you don't have to wait for it to arrive in the mail.
- Approaching Credit Limit - Notifies you when you are close to your credit limit. It's a great way to avoid over limit fees.
- Credit Card Use # - Notifies you when the number of credit card transactions posted to the account in a single day exceeds the number you selected.
- Credit Card Use $ - Notifies you when the total dollar amount of credit card transactions posted to the account exceeds the amount you selected.
On the main Credit Card Page select ALERTS/PROFILE then CUSTOMIZE. There you'll be able to add or change any alerts you receive.
There are two ways to ensure that you receive email from us:
- Be sure to update your email address. It is important to update your email address when it changes so we can notify you in a timely manner.
You can update your email address in the ALERTS/PROFILE section.
- Add our email addresses to your list of contacts in your email address list. This is especially important if you or your email service provider (AOL, Yahoo, etc.) uses
email filters to send mail to a bulk, spam or suspect folder. Please add the following email addresses to your address book to ensure you receive important account
information via email:
correspondence@cc.barclaycardus.com
notfysndr@cc.BarclaycardUS.com
paperlessnotfysndr@cc.BarclaycardUS.com
Go paperless! Stop getting paper statements in the mail and get them online. It's fast, secure, and FREE.
What are the benefits?
- You'll get your statement days faster than through the mail.
- You can view or print 16 months worth, 24 hours/day, 7 days/week.
- Never misplace your statement again.
- Schedule your payment online at the same time.
How do I sign up?
- Log in and select your account from the credit card page.
- Select STATEMENTS and then Paperless Statements.
- Confirm your email address.
- We'll send an email each month when your statement is ready.
- View, print or download your statement online 24 hours/day.
You have the right to receive paper communications and can cancel at any time without penalty.
- Login and select your account from the credit card page.
- Select STATEMENTS and then Paperless Statements.
- Select Turn Off Paperless Statements.
- Select OK to start receiving paper statements through the mail.
Balance Transfers, Transactions, and Payments
Typically, balance transfers are processed within five business days. If your account is new, it may take up to three weeks to process your transfer.
You can process balance transfers to your card three ways:
Online
- From the credit card menu select TRANSFER BALANCE, then select NEW TRANSFER
- Enter the account number and the amount you would like to transfer to your card
Through our automated phone system
- Call us at 877-523-0478
- Select Request a Balance Transfer from the main menu and follow the instructions to process the balance transfer
With a Relationship Manager
Call us at 877-523-0478 to speak with a Relationship Manager between the hours of 6 A.M. and 2 A.M. ET
To check the status of your balance transfer:
- Login and select your account from the credit card page
- Click on TRANSFER BALANCE then TRANSFER HISTORY
- From this screen you'll be able to see the status of your recent balance transfers
Ways to pay:
Pay it online
- Select the account you would like to pay from the credit card page and then click PAY CREDIT CARD
- To make a payment select MAKE PAYMENT and choose the account you would like to pay from, the amount you would like to pay, and the frequency you would like to pay it.
Payments received before 7 P.M. ET will be credited to your account the same day but may take up to 3 days to display on the website.
Mail a check to us
Make a check or money order out to Card Services for the amount you would like to pay toward your Credit Card. The minimum amount due and due date is noted on your statement as well as on your Accounts page when you login. Send us your check and the remittance portion of the statement that you received in the mail.
Use the envelope that came with your statement or use your own envelope and send it to:
Card Services
P.O. BOX 13337
Philadelphia, PA 19101-3337
Payment received before 1 P.M. ET will be credited to your account the day of receipt. There may be a delay of up to 5 days if your payment is not received at the proper address in the form of a check or money order accompanied by a payment coupon.
Express-mail a check to us
Make a check out to Card Services for the amount you would like to pay toward your Credit Card. The minimum amount due and due date is noted on your statement, as well as on your Accounts page when you login. Send us your check and the remittance portion of the statement that you received in the mail to:
Remitco
Card Services
Lock Box 913337
2080 Cabot Boulevard West
Langhorne, PA 19047
Your account will be credited within 2 business days of our receipt of your check. Please allow enough time for your check to reach us through the mail.
Through our automated phone system
- Call us at 877-523-0478.
- After verifying your account, select Pay Credit Card from the main menu and follow the instructions to process your payment.
Payments received before 7 P.M. ET will be credited to your account the same day but may take up to 3 days to display on the website.
With a Relationship Manager
Call us at 877-523-0478 and speak with a Relationship Manager between the hours of 6 A.M. and 2 A.M. ET. There is a $15 fee for this service.
Payments received before 7 P.M. ET will be credited to your account the same day but may take up to 3 days to display on the website.
Yes, you can by using our convenient online auto pay. Simply login to the website and from the credit card page select PAY CREDIT CARD. You can choose the account you would like to pay from, the amount you would like to pay, and the frequency you would like to pay it. It's that simple.
Just follow the 2 easy steps below to start making your credit card payments online. You can pay any amount. Make a single payment or set it up to pay automatically each month.
- Add an account to make the payment from. Before you can use this service to pay your bill online you will need to provide us with some information about the account you would like to pay your credit card from.
Login and select PAY CREDIT CARD and then ADD PAYMENT ACCOUNT. Enter your financial institution's information and click OK. We will set up access to your Payment Account within one business day.
The PAYMENT ACCOUNT STATUS will read Valid when the account is ready to use online or by phone.
- Make the payment. Login and select PAY CREDIT CARD. Choose the account you would like to pay from, the amount you would like to pay, and the frequency you would like to pay it.
To check the status of your payments, to modify scheduled payments, or to stop a payment select PAY CREDIT CARD and then PAYMENT HISTORY. Select the payment that you would like to change by clicking on the MODIFY link on the right side of the transaction.
You can see your current transaction history just by logging into the website. There are two easy ways to see your transaction history:
- To view transactions (this gives you a detailed listing of all transactions on your account up to six months worth of activity), click on TRANSACTIONS on the credit card menu. You will be able to view up to six months worth of transactions online.
- To see an actual copy of your statement online, click STATEMENTS on the credit card menu. You will be able to view and print up to 16 months of statements online. That way if you need a duplicate copy of your statement it's available online. Select the Statement Period that you wish to view from the drop-down menu and click View. Your statement will be in HTML format. To print your statement, click File then click Print at the top of your statement window. To pay your bill online, click on PAY CREDIT CARD listed under your current balance on your statement.
Convenience Checks and Cash Advances
We make it easy to obtain a cash advance. You can get cash at any participating ATM in the Plus Network provided you have your PIN and your card.
Or you can get cash by visiting any bank and presenting your credit card at the counter.
A convenience check allows you to access funds from your credit card line. A convenience check can be used anywhere a regular check is accepted,
in any amount up to your available credit line.
You can send us an email once you're signed into your account on our website, or you can call and speak with a Relationship Manager.
Please keep in mind that it may take 10-15 business days for you to receive your convenience checks once the order is placed.
Yes. If you need to place a stop payment you will need to call and speak with a Relationship Manager. Keep in mind the stop payment request will take one business day to
activate once you contact us. There is a fee to stop payment on a check. Please review your account agreement for details.
If you would like to order a copy of a convenience check, call Customer Service at 877-523-0478, 6 A.M. to 2 A.M. ET.
Please be ready to tell us:
Account number of primary cardholder, check number, date check cleared, amount of check and delivery method—email or mail. Please allow 12-15 business days for delivery.
Additional Information
The Federal Deposit Insurance Corporation's mission is to maintain the stability of, and public confidence in, the nation's financial system. To achieve this goal, the
FDIC has insured deposits and promoted safe and sound banking practices since 1933.
The FCRA is a US law that governs, among other things, the reporting of credit information used by credit bureaus.
You must be a permanent resident of the United States to have a credit card account issued by Barclays Bank Delaware. Visit www.barclays.com for information about financial services
available around the world.
No, at this time you cannot apply for an account.
Technology
Adobe Acrobat Reader is computer software that presents documents in a unique, high-quality form called Portable Document Format (PDF). We display various documents, like your statements,
as PDF files. If you would like to view your statements online in this format, we suggest you download the Acrobat Reader.
Printing your PDF document requires a printer with graphic-printing ability.
You can get your free Adobe Acrobat Reader by clicking on the following link:
Adobe Acrobat Reader
We currently support Internet Explorer 5.5 or greater, Safari 1.3 or greater, Firefox 1.0 or greater, Netscape 7 & 8 and Mozilla 1.5 or greater.
We recommend a minimum of 128-bit encryption to secure the link between your browser and us. You will know if your browser is not sufficient if upon entering a secure site,
a note pops up on the screen indicating you should upgrade. We suggest upgrading to the latest versions of your browser.
To upgrade, please click on one of the following links:
Microsoft® Internet Explorer
Netscape® Browser
Firefox
Mozilla (now known as SeaMonkey
Safari is available on the Mac OS X platform and updates are available through Software Update.
Cookies are simply a means of communication between your computer(s) and our web servers. Be assured that the process of creating
"cookies" does not give us access to your non-bank-related computer files.
We recommend that Mac users use the minimal browser levels of MSIE 4.5 or Netscape 4.7. WebTV is currently developing a supportive browser. If you have WebTV,
we recommend you visit our website via a personal computer until they develop an adequate browser. If you're an AOL user with an AOL version lower than 5.0,
we suggest you upgrade to the 5.0 version.
Depending on your connection speed, downloading can take from 3 minutes to nearly 2 hours. To lessen the downloading time, you can order the CD-ROM version of the
upgraded MSIE via their website.
For more information on the Microsoft CD, please click the following link:
MSIE CD-ROM
Security and Privacy
We are required to obtain your social security number for tax reasons, and it helps us to verify your identity when you contact us.
Encryption is a security device that keeps information that passes through the Internet private and secure. To maximize protection, we require you to use 128-bit encryption.
This 128-bit encryption level is 2x1026 more secure than the standard level of 40-bit. You will see the icon of a padlock on the bottom toolbar of your browser that
indicates the information being transmitted is protected and encrypted.
To read more about security, see our
Security Statement.
To protect your account information, please keep your username and password secret. Also, before sending account information by email, verify that the email will be encrypted.
We recommend you login and send us an email when communicating with us because it is secure. We also recommend that you LOGOUT when you are done banking. This prevents
someone from hitting the Back button to access your accounts.
We do not share any information with merchants for the purpose of extending offers of goods and services without your consent. We may at times share information
with its affiliates and our service companies for the purpose of serving your account, processing transactions and producing statements.
Please see our
Privacy Policy for complete details.
We give you 6 Privacy Options to choose from when you set up your account. You can choose whether to receive information about goods and services offered by us or
independent third parties. You can also choose whether you receive the offers by mail, email or telephone. If you don't tell us your preferences, we will provide
offers to you by mail, email and telephone.
Temporary Authorizations
A temporary authorization occurs when a merchant tests to confirm that your credit card account is valid and/or has sufficient Available Credit.
Gas stations, restaurants, hotels, car rental agencies, and airlines commonly use temporary authorizations because the card information is often
provided before the final transaction amount is known. Please note that this list is not all-inclusive; temporary authorizations are a common merchant practice.
Examples include $1.00 for gasoline "Pay at the Pump" purchases and hotel reservation amounts.
Gas stations, restaurants, hotels, car rental agencies and airlines commonly use temporary authorizations because the card information is provided before the final
transaction amount is known. Once the actual transaction amount is determined and posted to your account, the temporary authorization will be removed in full.
Temporary authorizations are deducted from your available credit only; they are not included in the account balance. The charge will be included in your account balance when
the actual transaction amount is determined and posted to your account.
Temporary authorizations can remain on your account for up to 10 days. In the event of an error, only the merchant can remove the authorization.
Because temporary authorizations are subject to change pending the final transaction amount, you are unable to dispute them. You must wait for the actual transaction to post
to your account. It is not necessary to call regarding a temporary authorization unless you know that your card, cash advance checks, and account number have not been used for any reason.
If a temporary authorization appears twice, it does not necessarily mean the account will be billed twice. It is possible that the authorizations will post as one charge
for the final transaction amount. If two charges for a similar amount from the same merchant appear on your statement in error, you will be able to initiate a dispute.
Credit Score
Yes, because the data comes directly from TransUnion.
No not at this time. However the data is always available on our Web Servicing site at
www.juniper.com.
Unfortunately no, the data comes directly from TransUnion (one of the 3 credit reporting agencies in the US). You can contact the TransUnion Consumer Disclosure Center
directly at 1-800-888-4213 or on the Web at
www.transunion.com.
For questions regarding your credit score from TransUnion, please contact them directly at 1-800-888-4213 or on the
Web at
www.transunion.com.
Unfortunately there are many reasons why the score moves up and down and that data is confidential, known only to you and the credit reporting agency. We are not allowed to
know the details of your credit history on accounts that we do not service.
Each of the credit reporting agencies has developed its own credit score and each credit score may be different. The credit score used here is from TransUnion
and called the "TransRisk Account Management Score."
