Hands down the worst credit card you can get. I was a member for 12 years, I asked for a credit increase and they denied me with 720 FICO! Later I lost my job and needed to make payment arrangements (any kind); all my other 7 credit cards with different banks worked with me...not Barclays! I closed my account at Barclays and they still would not take a payment arrangement. They wanted me to fall behind 30, 60 ,90 days and be reported as late to the credits bureau before they would even consider talking to me about a payment plan., Guess what....I'm not paying them jack now! I am submitting a complaint with governing bodies .