This is the worst Credit Card you could possibly have. I wrote to them that they had been charging me $4.99 for a long time that I had not authorized. A few weeks later I received 42 letters in one day, each exactly the same except for a Number (which meant nothing to me) . I called and cancelled the card, it wasn't easy -I had to demand the card by closed. Since that time I received many more letters and phone calls from Barclays (from India) that said -either they were looking into it or they had determined that it was my fault. I did receive a notice from the Account that was charging me - saying they would give me a $15.00 credit and was sorry about the misunderstanding. Today I received a bill from Barclays for the $15.00 that had been credited and they continue to charge my closed account. A card you can never leave/.