Went on a cruise with Holland America Cruise Lines on 1/14/23 - 1/28/23 and had a Barclay Old Navy Mastercard which I had for about 10 years but not all the years were with Barclay some were with Synchrony as a Visa which with them I had no problems. Had about $200 on the card prior to boarding and a $3000 credit limit (which I had lowered my credit limit in 3/22) because I was wanting to retire soon and just did not want to be able to charge more than $3000 on this card . So we go on this cruise which we have many times with Holland America and when we disembark go home and put the Holland America Navigator App on our phone since they do not give you a paper statement anymore prior to disembarkation we notice the balance on this card has been charged like 4 times the amount it is supposed too. We first tried to get in touch with the cruise line because we felt we did not spend this kind of money because we were given a substantial amount to spend on the cruise from Holland America and have never had a balance like this on any of our cruises with them. So we tried several departments with Holland America and of course got nowhere with our problem so we decided to contact Barclay and file a dispute. We told them we believe these charges that we accumulated were from pushing the room charge button in the casino and it not dispensing the money requested as it should and then having to push it again and finally it would transfer it on to our room card. They assured us that if the merchant would not contact them after a certain time that it would most likely be in our favor to do a chargeback well like 4 months went by and LOTS of contacting them and they contacting me and after sending them a file folder full of paperwork they stated they could not help up with this because it occurred in a casino. Now that is weird I spoke to like 50 different people at Barclay prior to this and not 1 of them stated that these types of charges could be disputed and then at the very end they come up with this. Then I also kept bringing up the issue why did my card not decline after $3000 and of course no one can tell me this. Although, I have talked to maybe 1/2 dozen employees from Barclay (mainly Americans in the states) told me they have never seen anything like this happen on a card because it usually would decline. They seemed sincere and stated they are sorry I am going through this. Even one of their own employees stated to quit paying on this because this should never of happened and then they may help you with maybe a settlement or a dispute or just write some off. They stated if I continued to pay they would never help me. At one point the only thing they have offered at this point is to close my card (which I really don't care at this point because its over the credit limit and cant use anyway) and give me a long term payment plan and I told them "NO DEAL". i am in my sixties and have had many a credit cards throughout my life but NEVER one company that does this to their customer. I even contacted a couple of our other credit card companies to see if they now do this to their customers, go over their credit limit without authorization and they said absolutely not it would not happen, the card would decline. The thing I really question is that Barclay also is the bank for the Carnival Cruise Line/Holland America Line maybe they are in this together??? I guarantee if I would of tried going over my credit limit on any other purchase at a department store or any other local merchant it would of declined. So, now I have this large bill and I have great credit but refuse to pay this. I had finally received a call from the merchant in July (Holland America) and I had to submit a email telling them how we feel we were overcharged and have yet to hear from them and it is August 30th. Did get an email for another promotion from Holland America and it says Sorry on it but just offering another cruise but I wonder what the SORRY is about???