Unforgiving and Brutal - Folks, this bank denied me a credit card, and I was on their blacklist for over 13 years for a very small write-off. There are so many better credit cards to put in your wallet. They closed one of my wife's accounts for being dormant and lowered her credit line on another. We both have scores in the mid-700s. Calling them and asking what we have to do for an act of contrition, they were cold, dismissive, and acted as if we were bothering them. Before you open any of their accounts, whether it be their Rewards Card, JetBlue, RCI, or any of the many, just beware they are unforgiving. God forbid you run into any problem of any kind, they will somehow punish you. There are many good banks around. Barclays is NOT one of them.