Why is Barclay’s Bank Delaware on my credit report? Or you may have received collection calls or notices from them. You live in the Minneapolis/St. Paul area of Minnesota, so you might think this is fraudulent activity because you have never been to Delaware.
Who is Barclay’s Bank Delaware?
According to Bloomberg they also are associated as Barclaycard US, and Barclays Group US Inc. Their main business is issuing branded credit cards on behalf of businesses to the consumer. Cards in the area of travel, entertainment, cash back and business expenses are their specialties. They also offer online savings, certificates of deposit, and personal loans.
I Didn’t Know I Was Doing Business With Them
When you got the credit card for Barnes and Noble or Carnival Cruise Lines, you probably thought the company you were dealing with was the name on the card. Barclay’s Bank Delaware is who you are really doing business with. In some cases, you will find the designation on the card, but sometimes it isn’t designated.
Barclay’s lists these credit cards as offered by them.
- Barclaycard Arrival Plus – World Elite MasterCard
- Barclaycard Ring – MasterCard
- Barclaycard Visa
- JetBlue Business Card
- Choice Privileges – Visa Signature Card
- Hawaiian Airlines – Business MasterCard
- AAdvantage Aviator Red – World Elite MasterCard
- Carnival World – MasterCard
- Miles & More Lufthansa – World Elite MasterCard
- Hawaiian Airlines – World Elite MasterCard
- Frontier Airlines – World Elite MasterCard
- Princess Cruises Rewards – Visa Card
- NFL Extra Points – Visa
- AAdvantage Aviator – MasterCard
- Barnes & Noble – MasterCard
- Diamond Resorts International – MasterCard
- Holland America Line – Rewards Visa
- JetBlue Card – MasterCard
- JetBlue Plus Card – MasterCard
- RCI Elite Rewards – MasterCard
- Uber Visa Card
- Upromise – MasterCard
- Wyndham Rewards – Visa
If any of these cards are ones you have an account with or have done business with, you have done business with Barclay’s.
What Should I Do if They Are Trying to Collect?
You have some choices to make. Maybe the debt is not so high and you can pay it off. Perhaps you can make payment arrangements. Even if these are a viable option for you, proceed with caution! Walker and Walker Law Offices, PLLC knows the business of consumer debt. If you live in the Minneapolis/St. Paul area you can rely on their expertise in handling the debt.
Consumer Beware!
Read reviews before doing business with them. If you have already done business with them you may have previously run into some of the situations reviewers are talking about. On Yelp they have 22 very negative reviews and one somewhat positive on a partially resolved issue.
The issues seem to be a lot on customer service, ignoring complaints on fraudulent charges on credit cards, and making promises but not following through to resolve the issue. Any company can have negative reviews. There is always one situation or one person that will not be satisfied no matter what.
But, when you see all except one to be very negative, it should give you a “red flag”. To avoid the hassles and the damage they can cause you to need a knowledgeable attorney to assist you.
The Blacklist!
It has been rumored that Barclay’s has a blacklist of people they will not give credit. According to Business Insider, the blacklist is alive and well. If you have ever had a problem with paying on one of their cards, they will not issue a card in the future. All companies extending credit have a right to refuse credit.
But, Barclay’s does not use a current credit report to deem credit worthiness. So, if you have had a problem in the past with their company even though that is definitely in the past, and your credit score is in a decent range now, they will not give you credit.
The majority of ethical companies will look at your credit report and give you a chance for a fresh start with them, even if that means a low limit until you show you have a good payment history. It is said that this blacklist is a lifetime ban. Pay attention to the list above before applying for a new credit card.
Contact Walker & Walker Today
As you can see by the reports, this company is not an easy one to deal with or to trust. Contact Walker and Walker by phone, email or in person to get a free consultation at one of our offices in Minneapolis, St. Paul, Blaine, or Brooklyn Park.
