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Credit cards with benefits: discover the possibilities offered by Barclays Africa

Credit Card

Barclays Africa offers its customers several highly advantageous financial products, such as credit cards full of benefits, and the possibility of receiving rewards when making purchases. Check out the credit card modalities available from the bank!

Barclays is a bank that originated in England and is headquartered in London. The bank also operates in South Africa and offers several opportunities for those who wish to make investments or hire a credit card full of benefits. The financial institution is a universal bank that operates in retail, wholesale, investment management, investments, credit cards, and mortgage credit.

Currently, the bank operates in over 50 countries and has 48 million customers. According to information from Barclays Africa, its goal is to provide customers with a secure investment experience so that they can achieve their financial ambitions. Given these factors, for those looking for a credit card and other financially advantageous services, this can be a good option.

If you are interested in learning more about the credit cards offered by Barclays Africa, continue reading to find out more!

Barclays Africa offers some credit card options for customers

Barclays Africa offers several financial services to its customers, including credit card modalities that come with various benefits. It is important to emphasize that the cards offered by the bank offer several rewards for consumers. This way, it is possible to gain from all your daily purchases, as the company will refund purchases already made with discounts on new and eligible purchases made with the Barclaycard Rewards card

In addition, credit cards are also offered through which customers can accumulate Avios to spend on hotels, flights, and much more. The product has a Representative APR (variable) of 80.1%, which is subject to application, loan history, and consumer’s financial situation.

The bank also emphasizes that credit cards allow customers to make purchases without paying interest on the balance for a certain period of time. Thus, it is possible to make purchases today and the cost will be spread out over time. If you are looking for a credit card to build credit, the financial institution also offers excellent conditions, as it allows the customer to improve their credit score or start one from scratch.

Barclays Africa’s credit cards also offer balance transfers. Therefore, if you are paying interest on credit cards or store cards, it is possible to consolidate outstanding amounts through the bank’s balance transfer cards.

Some of the credit card options offered by the financial institution are listed below:

  • Barclaycard Avios Plus
  • Barclaycard Avios
  • Barclaycard Rewards card
  • Barclaycard Forward
  • Barclaycard up to 18 month balance transfer and up to 21 month purchase Platinum card (a transfer fee applies)
  • Barclaycard Platinum up to 29 month balance transfer card (a transfer fee applies)
  • Barclaycard Platinum up to 12 month balance transfer card (no transfer fee applies)

To hire any of the credit cards mentioned above, it is necessary to enter the Barclays Africa app. Through the platform, users can log in with fingerprint to access their finances with just one touch, but it is still possible to access the information through the app password. If you are already a bank customer, you can also have your checking account in digital format.

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The main benefits of hiring a credit card

Credit cards offer several advantages that can facilitate your financial life. They also offer convenience and practicality for making purchases without needing cash on hand. When applying for the product, it is necessary to take into account the benefits it offers and choose the option that best meets your needs.

Here are the main advantages of hiring a credit card:

Better payment conditions

Credit cards usually offer several possibilities for your purchases to be paid over a long period of time. Instead of paying the full amount at once, it is possible to parcel it into several installments. This can be very beneficial when you need to buy something and don’t have the full amount at the moment. In addition, depending on where you made your purchase, there is still the possibility of splitting the amount without having to pay any extra interest for it.

Assists in emergencies

Having a credit card can still be a great help to deal with unforeseen situations or financial emergencies. Sometimes consumers are surprised with an unexpected bill that was not planned in their financial budget, therefore, the credit card can help solve this problem, since the payment can be made after the purchase is completed

Ease of shopping

With a credit card, it’s possible to make purchases even when there’s no money immediately available. This is because the bank offers customers a certain credit limit that can be used to make purchases, and payment is made only on a future date.

Ease of checking the balance

Checking the credit balance is quite simple, given that most financial institutions offer banking applications. With this, the process of checking the balance of your credit card and the available spending limit has become simple and fast.

Provides agility

Another benefit of a credit card is its agility as transactions made through the product can be processed and authorized by the issuer within a few minutes, sometimes even within seconds. In addition to purchases being approved quickly, most banks still make the process of requesting a new card fast. Some financial institutions even offer instant approval.

Provides security

Credit cards offer a range of technological features that aim to increase security. Credit card data, such as the expiration date, card number, and security code, are usually encrypted. This means that the data is converted into a coded form during transmission, which makes it difficult for unauthorized persons to use the product.

In addition, most credit cards currently have an embedded chip, which makes them more secure than magnetic stripe cards. Banks also have sophisticated activity monitoring systems that can identify unusual patterns of card use. This helps detect suspicious activities or fraudulent transactions.

Nowadays, most credit card companies offer real-time notifications to cardholders, so that it’s possible to inform them about each transaction made. The notifications can be sent via email, SMS, or apps. This way, consumers can immediately identify any unauthorized activity.

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credit cards,finances
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Maria Fernanda

Maria Fernanda

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