I Been A customer of Barclay for many years and I would have given them a 5 star review every day off the week but not now i wouldn't recommend them to anyone .. I asked for a credit increase 6 months ago and they pulled a credit on me which lowered my score and because I haven't used the card in a few months. They lowered my card limit from 13000 down to 5000 that's %&_%^^ of Them,. And I would not recommend them to anyone for a credit card worst company i've ever dealt with now. They want you to keep a high balance on your card so they can make a lot off your high percentage rate which you would never get paid off. You grandkids would be paying off the card If I could give a Black Star I would .