THe WORST credit card ever! I was given a $1500 credit line and always made my payments on time. They ran my credit about 6 months later and said I had too many inquiries on my credit so they were dropping my limit to $1000. Ok, but I owed $1344 so that threw me over my limit until I paid that to $1000. A year later the same situation and dropped my limit to $550 and put me over the limit again! Hmmmm.. maybe it’s to charge that $39 over the limit fee?… until you get the amount you owe under their new limit. Today I made my final payment on that card. I’m cutting it up and do not want to give Barclays a single dime of my money ever again. They’ve taken over the Old Navy credit card and dropped my credit limit by $200 on that account as well. Barclays has a SCAM going on for sure! They need to be investigated.