Angry Barclaycard Platinum 顧客s see 'low 率' card's 利益／興味 率 almost DOUBLE
- One 顧客 said their 構内／化合物 率 is 始める，決める to nearly 二塁打 in July?
- The bank has also 減ずるd its 最小限 支払い（額）s for some 顧客s
Barclaycard Platinum 顧客s have seen their 利益／興味 率s pitched skyward without 警告 in 最近の weeks, leaving some to 直面する 率s nearly 二塁打 what they were 以前 支払う／賃金ing.
An email from Barclays seen by This is Money, shows that one 顧客, Robert*, will see his 利益／興味 率 rise to 23 per cent 構内／化合物 in July, from its 現在の 率 of 13.1 per cent.
The reader told This is Money that he opened his account on a 'lifetime' 率 of around 8 per cent in 2016, which was then 増加するd to its 現在の 率 'over the last two years'.
Another said that when he opened his credit card with a 6.9 per cent 利益／興味 率, it was 促進するd by Barclaycard as a 永久の 'low 率' card. The 率 has risen 5 per cent with the base 率 in 最近の years but is now 始める，決める to ロケット／急騰する up, he said he was furious with the 増加する.
Raising 率s: Barclaycard 顧客s 乱暴／暴力を加えるd as bank almost （テニスなどの）ダブルス 利益／興味 告発（する），告訴（する）／料金s
The email sent by Barclays 知らせるd 顧客s: 'We 手配中の，お尋ね者 to let you know that the 利益／興味 率s on your Barclaycard Platinum will go up ?from? ?22 July 2024.'
'We're making these changes に引き続いて a review of our credit card 製品s.'
Much 顧客 annoyance is 予定 to Barclaycard positioning its Platinum card as a low-率 申し込む／申し出ing when they first 調印するd up.?
The rise in 率s is likely linked to the Bank of England base 率. Though this has not 増加するd since August last year, it 増加するd by 1.75 per cent in 2023, and has risen from just 0.1 per cent to 5.25 per cent since December 2021.
In general, simple 利益／興味 率s 増加する in line with the bank 率, meaning that they 増加する by the same number of 百分率 points. 構内／化合物 率s, on the other 手渡す, will also 増加する with the bank 率, by a larger 量, as they take into account 利益／興味 告発（する），告訴（する）／料金d on 利益／興味.
Barclaycard also upped the earlier 顧客's simple 利益／興味 率 by 8.48 per cent.
A spokesperson for Barclays told This is Money: 'We 定期的に review our 製品s and from July, some Barclaycard 顧客s will see changes to their 最小限 月毎の payme nts, と一緒に 調整s to the APR.
'顧客s will 利益 from a 削減 in their 最小限 月毎の 返済 and the 広大な 大多数 have no change to APR, while some will receive a 減少（する）.'
However, Robert told This is Money: 'I said [to Barclays] I'll be 支払う／賃金ing my balance off by [22 July] and will just 支払う／賃金 the balance off each month now, so they will make no money off me 今後.
'But what I was 関心d with was them lowering the 最小限 支払い（額） whilst 二塁打ing the 利益／興味 率, surely 押し進めるing people into 負債?'
As part of the changes, Barclaycard has 削減（する） its 最小限 支払い（額） to just one per cent for Robert.
In 2023, however, Barclays 増加するd his 最小限 支払い（額） on Barclaycard Platinum to 2.75 per cent, 明言する／公表するing in a letter to the same reader: 'We want to help you to 減ずる the 量 of 利益／興味 you're 支払う／賃金ing and help you （疑いを）晴らす your balance sooner.'
一方／合間, another Barclays 顧客, John*, saw his 構内／化合物 利益／興味 率 rise to 21.8, from 11.9 per cent 以前.
John also saw his 最小限 支払い（額） 持続するd as the highest of 2.25 per cent, £5 or any 利益／興味, default 料金s or 維持／整備 料金s, 加える one per cent of the main balance.
In both 事例／患者s, Barclays has raised its 構内／化合物 率s by 9.9 per cent.
支援する in 2021, Barclays 削除するd the credit 限界s for Barclaycard 顧客s by thousands of 続けざまに猛撃するs without explanation. For one 顧客 who spoke to This is Money at the time, this meant he was only able to borrow £2,050, 減ずるd from his previous 限界 of £9,000.
*指名するs have been changed?
