Balance Transfer Safety Check

Before you move your debt — check the card issuer you’re transferring to

A 0% balance transfer offer buys you breathing room. Transferring to an institution with a serious complaint record just moves your problem to a worse place. This check takes four seconds and tells you whether the issuer earns what they’re asking.

STOP
VERDICT · BARCLAYS BANK DELAWARE

We would not recommend transferring to this card

BARCLAYS BANK DELAWARE's credit card arm generates 5.29 CFPB complaints per 1,000 customers — above the 1.0/1k threshold where structural issues are typically present.

Credit-card rate
5.29/1k
Overall rate (no card-specific split)
Unauth / billing issues
—
Share of complaints that are fraud, billing, or unauthorised-charge
Resolution quality
21/100
How well complaints actually get resolved
Responds on time
100.0%
CFPB 15-day response window
Active federal enforcement
OCC · Clear
FED · Clear
CFPB · ACTIVE
FTC · Clear
Safer alternatives with similar products

These issuers have meaningfully better complaint records

Ranked by lowest normalised complaint rate with High confidence tier. Excludes institutions with active enforcement actions.

Check a different issuer
Sources: CFPB complaint database, OCC, Federal Reserve, FDIC, FTC, FFIEC Call Reports. Rate normalisation is per the methodology below. Informational only — not financial advice. Check APR, fees, and terms with the issuer before transferring. Methodology › · Affiliate disclosure › · Data freshness ›