Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (IL)

Before deciding which credit card to apply for, I knew that I wanted one that would have 0 % APR on purchases for the first year. I already have a XXXX and an XXXX XXXX, so I decided on XXXX. On XXXX 's site, I used their tool to find a card that has 0 % APR on purchases, which is the Barclaycard CashForward World Mastercard. Here is a link to XXXX site : XXXX XXXX XXXXXXXX Once on the actual card 's official site, I also confirmed that it shows 0 % APR for purchases. Again, the ONLY reason I chose this card was to get 0 % interest for the first year. Here is the link to barclaycard 's site : XXXX XXXX XXXX Scroll down to Interest Rates and Charges Summary, it shows : APR for purchases : 0 % introductory APR for the first fifteen billing cycles on purchases. Scroll down to Terms & Conditions, it shows : Annual Fee : {$0.00}. 0 % introductory APR on purchases is applicable for the first 15 billing cycles after account opening. 
1st Statement : XX/XX/XXXX - No Interest Charges 2nd Statement : XX/XX/XXXX - No Interest Charges 3rd Sttement : XX/XX/XXXX - Interest 4th Statement : XX/XX/XXXX - Interest 5th Statement : XX/XX/XXXX - Interest 6th Statmenet : XX/XX/XXXX - Interest On XX/XX/XXXX I called customer support for the 1st time. I explained the situation, I was told I had  made a mistake and they only offer 0 % on balance transfers NOT on purchases. I explained to her that she was incorrect and the actual information was on their own company website. She verified and confirmed that I am correct and am supposed to have 0 % APR on purchases AND balance transfers. She confirmed she put a notice on my account to be corrected. On XX/XX/XXXX I called customer support for the 2nd time. Again, I explained the situation, she said that the note was still on my account and it was being processed. I should notice my interest charges removed from my account on the next billing cycle. Unfortunately, I trusted her and did n't check until recently. Because I was having no success contacting them by phone, I used their " Secure Messaging '' system for support. I explained the entire situation again and how I had previously not been assisted. Their response : " Although we show no 0 % APR offer for purchases, we can confirm that your account was eligible for a 0 % introductory APR for the first fifteen billing cycles following each balance transfer that posted to your account within the first 45 days after your account open date ... '' Again, I am back to them showing no evidence that they are supposed to honor the 0 % APR on purchases, even though it is on their website and on XXXX 's website. Now, I tried to reach out to speak with a " Manager '' of customer service, but again he/she was busy so I would need to wait another 24/48 hours to recieve a call when it is more than likely inconvenient timing for me. The last person I talked with said they do not offer any 0 % APR on purchase cards. I directed her to own company 's website and to XXXX 's page and she said " Oh, well that is offered now. When you opened the card is was n't available ''. I was told all she can do is make a note on my account for " them to research ''. I 'm not allowed to know who is researching and why this time when they research it will be any different than the other times I have called. Unfortunately, they now are requiring me to send in my original terms and conditions for the card, that I received in the mail, but I honestly do n't think I 'll be able to find it. To me, it feels like a complete scam. They list the card on multiple sites showing 0 % APR on purchases for the first 15 billing cycles, then force you to send in paperwork to prove it applies to your card, otherwise they charge you interest.