Got a Barclays Carnival card. Initially had a $1800 credit limit. Used the card to make cruise excursions and other various purchases. Had a perfect payment history and paid card off after about three months of use. Shortly thereafter I made some purchase and it was declined. Come to find out that they lowered my credit limit to $1200 and did not advise me. I spoke with customer service (who could barely speak any English) and they would not tell me why my limit was lowered but that an explanation letter had been sent in the mail. I never got any letter. I paid off my balance again and shortly thereafter finally got a letter in the mail stating that they were now lowering my limit to $800 do to derogatory credit although I have a perfect pay history on all of my accounts. Did not use the card for three months and decided to use it again for various purchases and had it declined again. Called customer service back again and they advised me in broken English that my limit had recently been reduced to $500 now but again no notification from the creditor and they claim another letter had gone out in the mail. So, now I’m done with these people and am canceling my card. They operate unethically and have terrible customer service. Don’t waste your time on any card backed by Barclay!