Barclaycard Student Credit Card

they gave me the credit card without any problem, whereas NatWest refused....

I didn't think I would be able to get a credit card but I thought I may as well apply for the Barclaycard just in case. Anyway, about a week later it arrived through the post with a limit of £600 - I was really chuffed even though I didn't really need it - Three months later and I'm here with £2.98 left on it and not one thing to show for the debt. Now I'm trying to get another card but have been refused everywhere. My monthly payments are around £30 which I think is great and I can pay online with no fuss. I would recommend this card to other students but beware of your limits and only use the card to buy stuff you need and definitely don't use the hole in the wall for cash - you will get charged.

Since I've had the Barclaycard I've had nothing but trouble. They usually ask for the the monthly payment of £15 or more by a particular date. What they don't make clear (although they do write it in the smallest of small print somewhere on your monthly statement) is that you have to pay the money at the bank in a minimum of 3-5 days before the deadline for the money to clear. Hence, the actual deadline is actually 3-5 days earlier than stated.

Since I'm generally unorganized and leave things to the last minute, I often forget this and end up paying for it. They charge me £20 for a late payment and, as usually happens, the £20 they charge me takes me over my credit limit and they charge me another £20 for going over. So even though I paid the £15 two days earlier than they said it was due, it ended up costing me £40. And it's happened on a few occasions. It's my own fault for forgetting about it most months, but they are more than willing to take advantage of it, so be careful.

I applied for a Student Barclaycard Credit Card when I was still a student. In fact, the nice lady at the bank was pushing the idea to me, she said there should be no problem with my getting credit. I hate using them, but do like to have one just in case. So, I dutifully sent off an application - TWICE - and even though I was a postgraduate student with a decent job (teaching undergraduate tutorials three times a week), they did not approve me and never said why.

I don't think it was a credit issue as I have subsequently not had any problems getting a card.

Typical Barclays, they move in mysterious and incomprehensible ways.