Barclays Is a worst Company Visa Card!!! Reason: 1) it is very hard to communication with the customer service, you could not understand the words come from the customer service mouth.2) i had very bad experience with my dispute issue, I have a Contract Agreement with merchant, the contract agreement says, 100% satisfaction and 100% guarantee money back , I sent those support documents and cancelation email to Barclays , Barclays sent letter to me , Barclays says " I don't have sufficient proof the cancelation with merchant. conclusion: never apply this card, Barleys has a very bad reputation. It is a Number bad Card Company!!!!