Anyone who has ever had a problem with interest rates knows how good it would be to be able to just worry about shopping, instead of suffering with abusive rates.

With this in mind, the Barclaycard Platinum credit card is issued with 21 months of 0 interest, where customers can finally enjoy this type of benefit.

Its purpose is to be managed in a simple way, but without sacrificing benefits and advantages. Throughout this article we will verify whether the purpose has been met.

Why we recommend the Barclaycard Platinum credit card

One of the most important questions to ask yourself about a financial product before becoming a candidate is whether there is anything special about that financial product.

As for the differences in the Barclaycard Platinum credit card, there are two that attract the most attention, the first being its category.

As it is a Platinum credit card, you can use it knowing that much more robust benefits will be available to you, making it a card with more advantages than normal.

This is a common benefit of Platinum credit cards, which are considered premium credit products, however, that’s not all.

Well, with the credit card in question, the first 21 months have a 0% interest rate, something very unusual in financial products like this.

So, practically the first two years as a holder have great potential to provide the user with a completely different use.

What can I use the Barclaycard Platinum credit card for?

Although we mentioned two major advantages of becoming a member, we did not have the opportunity to go into detail regarding how to use it.

This is essential for you to make a good choice regarding whether or not it is a good alternative as a payment method.

For this, its official website is a good way to find out which scenarios it stands out in the most, but there’s no need to worry.

Well, we have chosen some of the main ways to take advantage of what the Barclaycard Platinum card has to offer, check out what awaits you below.

Expensive purchases in installments

Any credit card can be used to pay for purchases in installments, so at first this may seem like something unnecessary to mention.

However, there is a detail that often goes unnoticed: this is a Platinum credit card, so you can expect a much higher limit.

With this, you can expect the possibility of purchasing at much higher prices, whether you use the installment plan to your advantage or not.

All of this makes furnishing your home, buying electronics or even going on vacation much more feasible, with all the flexibility you desire.

But remember that this card is not in the category that has the highest possible limit, so for purchases with extreme amounts, a Black card is more recommended.

First 21 months interest free

The second major use case for the Barclaycard Platinum credit card involves the welcome bonus that cardholders receive when activating the card.

The first 21 months do not have an interest rate, so it is best to plan to use this period to your advantage.

With much simpler purchases, without the need to go over the top and check the impact of interest every time you make a more expensive purchase.

It is also possible to transfer the balance, where the fees remain zero, however for a period of only 20 months, 1 month less.

But, it still allows for great uses, especially if you create a strategy considering this factor, to make this card a much more efficient tool.

Advantages of the Barclaycard Platinum credit card

Every credit card has a completely different set of advantages and disadvantages, and the Barclaycard Platinum credit card is no different.

So, to select the most suitable option for your credit needs, it is important to carefully check the range of advantages.

Check out what you can enjoy below:

• Interest rate 0 for 21 months
• Management application
• Request without leaving home
• Platinum Benefits
• Contactless payment
• Global acceptance

Disadvantages of the Barclaycard Platinum Credit Card

To use this credit card safely, it is important to be aware of its disadvantages in order to overcome these problems.

A good example of a weak point is that it is not recommended for beginners, as the rules applied to the benefits can be quite complicated for those who have never used cards.

In addition to approval, the rules are very demanding for those who have never applied for a card before and do not have a very good credit score.

How is the credit analysis done on the Barclaycard Platinum credit card?

All applicants for Barclaycard Platinum cards will be subject to a credit check, and will need to present a reasonable score to have a good chance.

The rule is simple, the better the score, the easier it will be to obtain consideration for this request, the same metric can be observed in other financial products and services.

It is also charged to customers who apply for loans, financing and in some cases, even opening a bank account.

Is there a maximum and minimum amount for the Barclaycard Platinum credit card?

The credit card limit is one of the most important elements of these financial products, as with a low limit, using the card ends up becoming a challenge.

We looked for information about the Barclaycard Platinum credit card limit and only found information about its maximum limit.

Where holders will be able to use it with a maximum limit of $1,200.00 dollars, which is considered a good limit for this category of financial product.

Want to apply? Learn how to get the Barclaycard Platinum credit card right here

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