Barclays Bank Reviews

In February 2010, I received my statement and there was a late fee for $39.95. I immediately called Barclays' customer service department and complained. The agent I spoke to was very unsympathetic even after I tried three times explaining that I was set up on autopay and therefore the late payment was a mistake. She said she would have to research it and would get back with me. Unsatisfied with that answer, I then contacted Barclays' email customer service area. After a week of correspondence back and forth, an agent emailed and explained that it was a banking system error (in actuality, the payment due date fell on a Sunday, and Barclay's debited my account the next business day). They refunded my late fee, but here's where it gets interesting.

About two weeks after I received that February statement where I incurred a late charge, I received a notice from Barclays notifying me that because of the late fee (mind you, which was not my fault), they were raising my APR from 14.99% to the default rate of 29.99%. In addition, I had done a balance transfer back in September of 2009 for a special rate of 3.99%, which was to remain in effect until September 2011. Last week when I received my May statement, Barclays instituted the default rate and ended my special APR for my balance transfer. I immediately called customer service to inquire why my rate went up when the late fee incurred in January 2010 was not my fault and all the person could tell me was that the account had a late fee and that is why the default rate was triggered. In addition, she said that the special APR on the balance transfer I did back in September was only good through April 2010 (a blatant lie).

Fortunately, I still had the email thread from when I initially engaged Barclay's email customer service team back in February. In that thread was the email that stated the late fee was not my fault. I then replied to that email, asking if the late fee was not my fault, why was I being charged the default APR? The response I got back said that there was a late fee on the account back in April 2009. I knew that was incorrect but I went online and looked at all of my Barclays' statements from 2009, and not once was a late fee incurred. I sent another email, asking where they were getting their information, because I did not see any late fees from April 2009 or any other month from that year. The response I got back was that the late fee occurred in January 2010.

By this time, I'd had it with their incompetence. I fired off an angry email, telling them it was obvious they were either too stupid, too lazy, or not equipped to handle basic customer research inquiries and had any one of them taken the time to read the email thread, they would have been better prepared to answer my questions. I called up customer service one last time. This time to cancel my account. I could not believe how hard they make it for someone to cancel a credit card. When the agent asked why I wished to cancel the card, I bluntly said I was tired of dealing with idiots and poor service. When I asked why I was being charged a default rate when the only late fee incurred was Barclays' fault, she had no answer. Desperately trying to get me to change my mind about closing the account, she said the best rate she could give me was 27%. I told her that was an insult and demanded she close the account immediately with no more questions.

On Friday, May 14, I received a call from a customer service manager at Barclays who called to apologize about the poor service I received from the email team. Upon review of my account, she said everything I stated in all of my emails was correct, and that she was going to have a talk with the individuals I had corresponded with about my account. In addition, she was going to drop my APR back to the 14.99% and reinstate my balance transfer back to the 3.99% until the end date of September 2011. I thanked her for calling me and admitting that her company was at fault. I also told her that when she talked to those individuals who rendered atrocious customer service, hold up my case of an example of how to lose a customer because I had canceled my account the day before and had no desire to ever return as a customer!

I am a 66 year old woman who had great credit until this started. If you pay your bills on time and pay in excess of the minimum payment, how can they do this to a person? We are completely at the mercy of creditors that have the ability to report anything they want to the credit bureaus and you may never know it. Something is terribly wrong with this. I need to know what I can do about this. I have lived my 66 years as honest as I could and never failed to pay my credit card bills. My credit score has been lowered to 649. The interest rate on the cards is so excessive that I will never be able to pay them off. They have raised my minimum payment to the point it puts a strain on me to make those payments. I truly do hope that some attorney or attorneys will take these issues on and I would be more than happy to serve as Plaintiff in the Class Action Lawsuit.

Then, at the beginning of this year, I noted that our terms had drastically changed. The interest rate had gone up from a fixed $14.9 to $21.9 and the minimum payment had also drastically increased. Worst of all because of the new terms all but $1.00 of my payment would go to interest! I phoned their customer support center, a total waste since all of the reps are outside of the US and barely speak English. I was basically told that I had been sent an opt-out letter back in November in my billing statement. When I pointed out that I was an online customer and did not receive a written billing statement, she still insisted that it had been mailed to me. And she stated, “It is too late now, you could have opted out of the term changes back in November."

How convenient that their terms changed right before the enactment of a new federal law meant to protect consumers from such actions. After a great deal of trouble I was finally able to talk them down to "19.9% and we will look at your account again in the future.” I immediately set about finding a card with better terms in order to get away from Barclays. In the end I found a better card and transferred my balance. I should have done this long ago considering I got 0% for 12 months on the balance which will be paid off in 3 months now with the new terms. I closed the Frontier Card and will never deal with Barclays again.

I am amazed that this bank would choose to so openly violate the spirit of the new law. I can only imagine how many consumers will be stuck with their new unearned terms. If this is not an opening for a class action lawsuit I do not know what is. Barclays openly admitted to me in an email that the decision was based on "consideration for the profits of the bank," and further that "changes in your terms had nothing to do with any review of your account, your payment history, or the risk involved with you as an individual customer.” How can this be legal?

I called on April 17, to see if I could get a rate decrease and close out my account so that I maybe able to lock in the rate and be able to pay off the debt. Something that Chase has done for me which is helping in making progress with my debt. I was transferred over to a person by the name of Justin who was some sort of account specialist and was in the process of helping with trying to get a rate decrease. He was really be quite helpful in informing of what I can do to bring down my debt and keep me under the credit limit when I had asked him to hold while I put him on speaker.

I lost the call and when I called back, I was told that I couldn't be transferred because they simply couldn't do that. Then I was told that no one can really help me, and at 30% APR, that was the best deal I could get. Needless to say I blew up on the phone. I informed the idiot that I was talking to that I was transferred and that someone was helping me and that I wasn't imagining the conversation that took place not to long ago.

I told him I felt I was in a bad episode of the Twilight Zone. He put me on hold and came back with the same response that I could not be transferred and that there was really nothing that can be done about my credit. These people are really something else. They say one thing and mean another. This isn't the first time I had problems with them and they are not willing to help their customers with managing their credit. I was blatantly, blatantly, lied to. I don't like being lied to.

I'm in state of absolute disbelief. They lied to me and they know it! They know what they do to their customers and they don't care! I can only compare it to being robbed and with the cops just standing there and doing nothing about it. I just want justice. This company needs to be exposed for the criminals they are.

I wrote them back asking how much it was. I got a response stating they can only view last 16 months of transactions. They can tell me when it was that I had this cash advance yet they can't tell me how much it is. I have been trying to get them to provide the amount of the advance so I can pay this advance back along with the regular monthly bill so I can get this account closed as soon as possible and they haven't been very helpful at all.

Not only do they charge me over 30.24% interest but now that I have been paying an average of over $250 more than what's required when paying my monthly bill, they are making the payments closer for me to pay than before and the payments are higher than what they should be. As an example, I went from 3750 to 3400 last month and my monthly payment was $88.78. This month they are charging me $94.59, which doesn't make sense to me. The economic damage is that they are continuing to charge an excessive fee that I could pay off where my bill wouldn't be so much and where I could pay off my balance faster. It seems like they are noticing that I'm trying to pay my balance off and are making it more difficult for me.

I called Barclay's and explained the situation and was given a one-year program of 9% interest. When they stated that I had been late with one payment, they bumped me from the program. However, I was not late and they have admitted this mistake. However, every month I am harassed with phone calls. When I was told in March of 2010 to pay $150 and the next month would be reduced to $140. They continued to call and finally coerced me into making another $70 payment. One representative told me, he would "kindly" wave the $15 late fee, while another told me it was $40.

I'm sick of dealing with them, and don't know where to turn at this point. I am going to contact the BBB, as well as the media in our area, but this is terrible. I would like to get the word out to the general public to beware of Barclay's and their underhanded and unethical practices. I have chronic pain from my accident and surgeries and a host of doctor bills that need to be paid. I do not qualify for unemployment, as I've always worked non-profits. I'm very discouraged and under a lot of stress trying to keep up with everything.

At one point in February, I had their 866- number on my caller I.D. 39 times in one day. On one Sunday, they were calling 3 times per hour. I called our debt management company and complained. We had a conference call and the calls slowed down, but didn't end. My wife and I have both answered the phone and have been told that this account is not under debt management, only to argue with that it is. A few have admitted that they were trying to accelerate the pay off and the account is under debt management. We are now not answering the phone or leaving the ringer off all together. Even with the accepted enrollment, they continue. It's shameful that a company accepts the proposal for debt management, only to harass their customers. We could have easily filed bankruptcy but decided to face it and pay our debts. I will be so thankful to never have to deal with Barclays again. As I'm typing this, they are calling again.

This does not make any sense. They are saying that I was sent a letter telling me I had to call again. Why would I call again on a closed account? I was told a supervisor would call me back in two days, and it has been five days. They are taking advantage because they want to charge me more interest because the account is inactive. I feel threatened to the point of blackmail, and there is nothing I can do. Please help!

I am semi-retired working only part-time due to injuries from 9/11. I live in the area. I cannot afford to pay more interest on this card! I am at the point where I want to stop paying and let it go to collections. They do not have an office here, or I would try to sue them myself. This situation has caused me untold grief and stress, and has jeopardized my health and well being.

I called and tried to talk to someone, tell them my situation and sign up for auto payment to prevent this from happening again. I was put on hold by the man in customer care for a minute only to be told by him that my payment was late and the banks are having a hard time right now and to call back in about a month to see if they would drop the rate down to 29.9%. My situation nor my intent to sign up on autopay meant nothing to these people.

February 11, 2010 we receive Mr. Godwin M’s mail; he had forwarded to the Draft/Fund Transfer Section of the Bank. Hence, have been leaving no stone unturned to ensure that the stated sum is transferred into a rightful bank account. February15 we received mail from Mr. Godwin M.; he wrote that we have to pay for the national fund transfer charge and VAT. After we paid by Western Union we keep going to send the details of the payment but he didn't reply until February 22, 2010. We received Mr. Godwin M’s mail; he wrote this the unaccounted delay in catapulting this fund into your bank account has partly been due to the delay in receiving the copy of Affidavit of True Beneficiary form from the British State High Court.

Last mail I received was March 8, 2010. The mail said as below:

“From the heart-felt collection of members of Staff of Barclays Bank Plc, we solemnly regret the incidence that occurred in our banking hall which lead to Mr. Nelson J. S.'s being hospitalized. We however humbly bring to your immediate attention that his fund will soon be transferred/credited to your provided and verified UAE Bank account with a monumental compensation of Ten Thousand Great British Pounds (GBP 10,000). We sincerely apologise for all that ** in the past few days. And still solicit for your further understanding and cooperation. Thank you very much. While we hope that Barclays Bank Plc's letter of will meet you in good fate.”

It was more than 10 days since--we still have not got any response to us in order to discharge Mr. Simon J. N. We are waiting the fund to pay for Mr. Simon J. N.’s hospital bills. Mr. Simon N. is now still in Addenbrooke's Hospital, Cambridge since February 23 from normal ward he was forced to transfer to charity ward. Please kindly advice. We need the fund to discharge Mr. Simon J. N.

Once they start tacking on late charges and interest then the balance goes up and then they began charging over limit fees when it was their charges that put my account over the limit. I try to make payments that are more than the required payment as we all know that doesn't accomplish anything. As I started to catch up on my bills and my husband recovered, I paid my Barclays bill in full as I wanted to eliminate the interest and I wanted to remain in good standing so that I could retain the account for emergency use if needed. I had never received any notification that my account was being reviewed or in jeopardy. I had spoken with a representative when I paid the account and I asked at that time if my account would now be current and in good standing and he told me that it was.

I paid Barclays Bank $3,640 my account at that time was not quite 60 days delinquent due to personal issues I have explained. My account now is at a 0.00 balance and I have been notified by Barclays a week after my payment has been processed that they are closing my account because I do not qualify for the account any longer due to my payment delinquency. I find this quite interesting after I have paid them in full and paid all of my penalties such as ridiculously high interest rates of 27% and over limit fees. I also find it bordering the unethical. I could have gone through a credit card service and had the interest and penalties removed or negotiated and paid probably half of what I paid and lost the account anyway. However, I wanted to pay what I owed them and remain in good standing. I think that this was very poor customer relations on their part.

The credit department representatives and manager with whom I spoke were all very rude and unprofessional. I am a professional person and my husband and I are both responsible and intelligent people. When the representatives of this company spoke with us, they assume that you are some kind of losers and have no idea what you are talking about. I never heard of Barclays Bank before I received this credit card. Now I understand why. Their business practice should be reviewed in light of all that is supposed to be being done to eliminate the unfair and unethical practices of banks and creditors in this country and the way they have been taking advantage of consumers and ruining our financial structure.

I am not at all concerned that I no longer have a credit card with Barclays Bank. I do not choose to do business with such a company. I don't really use credit cards unless as I say it is an emergency situation. People do encounter difficult situations that are justified and sometimes have to struggle to make ends meet. It is just very frightening to think that there are companies like this one who are very willing to take advantage of people in those situations. It is very likely that I have contributed to yet another bonus for a bank CEO. I hope they enjoy it. I am an nurse. I would have no idea what a bonus is.

So, my plan was to pay the amount in installments over a 4-month period, catching up after paydays. In essence, I had hoped to make 2 payments per month, or 3 payments per 2 months, which seemed to certainly be better than the typical monthly payment. This obviously did not seem to be an acceptable approach to Barclays, which made a phone call. First, they accepted no responsibility for the missing statements. Secondly, they were unwilling to accept any type of installment plan. So, finally, we set up a 3-month automatic draft to catch up on the overdue amount.

Once this period was over, they were to send me a statement for my normal payments to occur the next billing period. Well, you guessed it - I received a statement a month after the billing period showing a past due amount for one month. I am not disputing that this amount was due. The math is correct. On the statement, though, it shows plainly the due date of the past due and present amount. A week prior to this due date, the phone calls start. I spoke to an associate on the first call and explained the problem.

The associate wanted to document that I would be submitting the total amount due by the following week. I told her that this would most likely be impossible and explained the entire statement fiasco again. She simply said that the phone calls would persist until the payment was received in full. She was right. I received calls at 8:00 AM Saturday and Sunday mornings and calls as late as 8:15 at night. When I finally agreed to speak with someone again to indicate that I had paid the amount in full before the due date, she could give me no substantial reason as to why I was receiving calls for a bill that never indicated an amount due immediately.

On this last statement, both the past due amount and the current amount were listed as due on a date that had not yet come. On top of it all, I received a statement during my 3-month automatic payment showing an amount due. When I spoke with someone about this, they had no clue about my payment plan. It seems that everyone I have spoken to at this company has trouble understanding my payment history. I know these callers are the front line, but the ineptness and unprofessionalism of this company will result with my closure of this account as soon as possible. Do not establish credit with this company!

I requested that my money be sent to me and that my account be closed. I received a new statement (2/16-3/13) with a $114.00 balance due. I spoke to "Reg" who told me I owed the money for interest on a balance transfer. There had been no purchases or balance transfers on this account for at least 9 months. My statement shows my credit balance refund on 2/15/10 as purchase activity. My request to speak with a manager through "Megan" on 2/25/10 was refused and I was informed also that my account was open and active; it was never closed as I had requested on 2/13/10. Subsequent calls to the company have resulted in my being placed on hold indefinitely with no one ever speaking to me. I have an 800 credit score and do not want a blemish resulting from questionable billing practices.

The customer credit manager said that Barclay had a policy that did not allow for phone payments to be rolled into the pay off amount. As much as I tried to explain that I wanted it done so that I could close out my account, the representative refused. The credit card manager said that I would be billed for the $15.00US with my next statement. I called back and asked if I could pay off the $15.00 by phone. I was told I could, but that the $15.00 dollar phone payment would be billed the following month.

Do you see what is happening. Barclay will not allow you to roll your phone payment into your bill to pay it off. Instead, they want to bill you and add the finance charge to the $15.00 so that these bastards can make more money. My suggestion to anyone who has a Barclay Card; be it a Barnes and Noble Card, or a Frontier Card, or whatever card you have with Barclays to pay off your account and close it out.

Because of the negative report to the credit bureaus, I was denied a loan for a home. Just one negative report and that ended my chances of buying a home. This company, Barclays Bank is sorry and should be made to compensate those that it has hurt.

Since then, my account has been turned over to their collection agency, West Asset Management in Omaha, NE. I received a few settlement offer letters which were completely unaffordable to me, asking for payments of $200+ per month. The most recent letter I received was in October 2009, stating a balance of approximately $4,690 ($300 of added interest in four months time) seeking the full balance. No other offers have been received since.

Just checking online today (February 2010) to see what the status of this account is, and I find a balance of $5,390 ($1,000 in added interest since August 2009). At this point, I do not know if I will ever be able to resolve this account delinquency. For what it is worth, I am keeping current with payments through the financial counseling service to all of my other credit cards, and have managed to keep my mortgage current.

I received a letter in the mail a week later. I also received another statement in the mail the same week for guess what--an over the limit fee and an interest charge. I called them and was given the run around (of course). This over the limit fee had not been posted before I paid it off (you think!) and I asked about the interest charge. What is this compounded on? She could not answer me. I have still not gotten this taken care of. I am just mortified that credit card companies can do what they want when they want.

So that leaves me a balance of $1467.44. They are charging me twice for the same thing one in January and now February. How can you charge me over limit fee on the 2/16/10? According to my calculations I had $31.44 on my account. I did not charge anything, so where did you get the over limit fee? With my interest fee $22.02, my balance should have $10.49 on it. All I am asking for you is to remove that over limit fee and give me back my correct balance. I have been a customer for years with you all and never had a problem until now since the new laws for credit card. If I can't get this removed from my account, I want to know who is the next person I can contact about this because I don't have money to give away. Please e-mail me the next step I need to take to clear up this matter. This is what they sent me back.

“We apologize for any inconvenience this service charge may have caused you; however, we can certainly assist you with your concern. Please be informed your account is assessed an over limit fee for any one day your balance exceeds your credit line during your statement period. The Card Member Agreement states that anytime your account exceeds the assigned credit line, whether due to purchases, fees or finance charges, you will receive this fee. The over limit fee only posts to your account when your statement closes. When making a charge to your account, please keep in mind any interest that you normally receive on your statement.

Upon review, the previous statement balance that was carried over to the next cycle was in the amount of $1,542.44 which was over your credit limit. Therefore, you were automatically assessed with an over limit fee when your statement closed on February 16, 2010. May we suggest to process more than the minimum payment to bring the balance below the credit line before the end of your cycle, so that when you enter the next cycle you will not be assessed a service fee. The suggested amount to pay to bring your account into current is at least $110.00. This payment should be processed before your cycle closes on March 16, 2010.”

I do not think that it is fair for them to disregard a contract that they made with me, when they have been automatically taking their money every month and now they say they didn't get a payment and are charging me late fees and harassing me (calling 6 and 7 times a day).. It is unfair and outright shady, the way they have done business. I have tried to work with these people, but they are not willing to stand up to their own agreements. It is hard for me to work when my phone is consistently ringing.

Just last week, I received fourteen calls from them in one day (four at home on my answering machine, four at work and the rest on my cell phone). I told them what they were doing was harassment and I had made arrangements with one of their customer service agents but they said no notes were in the computer and they would call again. I told them that once I received my statement, I would be paying the account off in full. He told me that I had to do it over the phone right then. When I told him that I didn't feel comfortable doing that, he told me that his company would continue to call me until it was paid. I can understand calling if payment is late, however, this is the only company I deal with that does this.

The last call I received was Sunday morning at 8:30am, as we were leaving for the church. I kept telling the person that I was walking out the door for church and he kept harassing me to pay over the phone. I finally had to hang up on him. A check for the account balance has been sent to their company but I feel what this company is doing is wrong and felt the need to report them to as many agencies as possible.

I was asked by my supervisor to make sure that they didn't call at work which looked bad on me. I have absolutely no other companies that I deal with do me this way and I am embarrassed and humiliated.

I called Barclays to inquire about the charge and I was told by the rep there was a finance charge and with that finance charge it put me over the limit. The rep had no answers for me when I asked why wouldn't the finance charge be included in the minimum payment. All the rep did was argue with me. Doesn't the consumer have any protection against this sort of stuff?

I have contacted Juniper and Barclay and received one email saying I would hear from them within 48 hours. It has been more than 78 hours with no response. This will ruin my credit if they report this to the credit agencies. I have really good credit and want to keep it that way. I think I have been had and I want them to clear this up. I have proof from my bank that it was paid on the 9th, the due date was moved to the 10th from the 14th without any notice from them. My payment was not late and I should not have to pay the late fee as charged. Can you tell me what I can do?

No matter what we do, they will not work with us or our debt management company. The card is closed and we've been paying their minimal amount for years, but now on our debt management plan pay $43 a month. But still Barclay charges us a $39 service charge and a $37.67 Finance charge. We continue to make payments, and yet our balance is going up, making the charges and payments go up! We are at the mercy of this company saying no, they won't work with us and won't lower our interest. They're currently charging us 27.24% interest. Not only does this create a negative report on our credit, but more importantly, even though we are consistently paying on this card, the amount due continues to go up even though the account is closed. They are charging us money just to carry the balance. We have called numerous times and still they say no, they will not work with us. They will not lower rates, they will not lower payments, they will not give us any reason why or direction what we can do to change this status. We cannot afford to pay them any more than the $43 per month.

By this time my husband had been laid off from his job and we were just trying to make our house payment. I called again a few days later and asked for a supervisor or manager and was told they would call me back in 24 to 48 hours. I never received a call. I called to inquire why and was told by Eric in the Philippines that if I could hold for 2 more minutes, I might get a sup on the phone. He could not tell me if I would get to speak with a sup or not as the phones are randomly answered. My payment is due January 11th, $196.00 and $195.00 is interest. At this rate I will never pay off the account. This company appears to be taking advantage of folks, especially before all the new laws take effect. They are setting people up for failure. Don't they realize that if they can't help people in this difficult economy then one might be forced to file bankruptcy? Maybe they don't know that something is better than nothing. If they can't help me and I can't pay my payment, they get zero. In all honestly, whose table would you put food on, yours or Barclays? All I wanted was a fair interest rate. Is this legal what they are doing?

My husband is out of work and we are trying to keep a roof over our heads. I want to pay my bill, but I just need a lower interest. This should be against the law to keep raising the rate, how high can they go? I feel like I am going to have a nervous breakdown over this. I cry most every day about it. They, Barclays, are not worth our health. Thank you for any help you can offer.

My Example: I have this BarclayVisa credit card for my daughter in college (in another state) to use for gas, and other essentials. It has a $250 limit, so it is very small. My daughter travels some to show her horse, so it has been used frequently this past month. As a result, I made a few payments to the Barclay Visa this past month to make sure she had available credit when needed. Payments made: $200 was paid from my checking account on 1-6-10. In addition, I have an automatic payment of $50 monthly that posted on 1-5-10. Available credit should be $210 after payments.

My daughter called to say card was declined for $15 at Walmart. I called the Visa card number, and spoke to a representative who verified that my recent Payments of $50 and $200 have been credited to account. But the rep advised me that when more than one payment is made in a billing cycle, there is a "hold" placed on any new charges for 7-10 days. I thought he was crazy.

I then spoke with a Supervisor who told me the same thing. I explained that I made more than one payment to assure my daughter had available credit as she is out of state and traveling. Nevertheless, credit will not be available until Thursday Jan 14th! I ask you, what is the use of a credit card, with available credit, if you can't use it when you need it? Why am I penalized for paying on a credit card more than once in a billing cycle? This policy is unfair, not a service to consumers and is not the expected service I signed up for. My daughter is 1000 miles away without use of credit card for gas, food and other essentials. This was to be her safety net.

When I emailed them about it, they immediately mailed a letter notifying me about the increase in the APR. A couple of days ago, I called to see if they could lower the APR so that I could start adding a couple of dollars more to the minimum payment, and I was told “no”. I live on a fixed income (Disability). I wanted to have the APR reduced because I used to buy my Parkinson’s medication with the card. Now, I'm having a very hard time getting my medicine because the 29.99% APR has brought up my balance to a degree of using what little credit I had available. And they won't work with me!

I did file for help with the Consumer Credit Counseling Service; however, Barclays would not accept the offer. I was told that they have not accepted any offers from CCCS. This morning when I called Juniper, I was told that because the increase was due to over limit and late charges, I do not have the protection of the new credit protection laws. My husband has taken a substantial decrease in his income in the last 2 years and my income has also dropped. This increase poses a financial hardship.

The problem with this is that, they down sized our credit limit below our balance that we owed, and it caused our credit to get ruined. Not only that, but they charged me a $39.00 over the limit fee for being 0.01 cent over the limit, which was not my fault since they downsized the credit limit. I have not charged anything on this card since they started downsizing the credit limit. We were sent a letter early part of the year letting us know that our credit limit would be downsized. However, they have been downsizing our credit limit without telling us. Prior to this bad credit practices, we had very good credit. We have never been late or missed any payments on any of our bills. Barclays Bank is ruining our good credit history with the way they do business.

I asked them to please waive the $39.00 over the limit fee, and to no avail, they said no, and I have to pay it. I paid $100.00 in September to have my account brought current and it was. Now, I look into the online account and see that all the available credit is now gone again, and I will be charged another over the limit fee of $39.00. This is unfair and unscrupulous business practices that Barclays Bank is doing. I have been on the following website, and people there have had the same exact problem with Barclays, and are trying to start a class action law suit for unfair business practices by Barclays Bank:

I have closed my account, but they refuse to close my husband's account unless he calls them. Barclays/Juniper Bank has a logo on their website claiming to be a member of the Better Business Bureau, and when you click the link, the BBB states in their report that this company is not an affiliated member of the BBB. Something really needs to be done about this company, and if you take a look on the link above, you will probably have enough people to get a class action law suit started, and count me and my husband in.

My husband and I have always kept our credit in very good to excellent standing. We have never missed a payment and have never been late on any payments ever. Barclays is not only costing me extra money by downsizing our credit limit, but making sure that the new credit limit is way less than what we owe on the card. This causes us to have to pay an extra $39.00 more every month. I paid $100.00 and brought my account current the end of September. And now, this month is just beginning and already the available credit I had is now zero again. I will be paying another extra $39.00 to them again this month. They are literally forcing us to pay more on our credit card than we can afford. We have other bills to pay besides them. This is hurting our wallets and our credit scores, and good credit history.

Today, I received a letter in the mail stating that I agreed to pay them almost $5,000 to settle the account. I never agreed to anything nor have I spoken to anyone about another settlement. My credit is being demolished, and no one at Barclays will even give me a second thought or listen to my story. I filed with the Better Business Bureau, but I still haven't heard anything.

I then started to receive threatening text messages (as well as the calls and voice mails) stating that my credit rating had been affected due to my non-payment for 2 months. I blocked the phone number, but within the hour, they began to ring on a different number. I felt harassed and eventually went into a Barclays bank to ask for help. The bank could not understand why this was happening, as I have never had any type of account with Barclays and I have lived at my address for 10 years. The branch rang customer services who were unable to match the name of the person (that was stated in the voice mails and calls) with my phone number. I must add that they found several people who matched the name but were unable to check the phone number against the names.

I am not sure why they were unable to do this, and neither was the individual who worked for Barclays. Customer services said that they would "sort" the matter within 7-10 days. Since arriving home from the bank, I received a further 4 calls and 2 voice mails. I find Barclaycard customer services unhelpful and this level of harassment unacceptable.

The next day the same thing happened. I again called the customer service number and was again told the problem was corrected. The next time I wanted to use the card it again was refused. I called and cancelled the card in frustration. I acted in haste. I later realized I wanted the card for the miles I could receive and use on Spirit Airlines. I have reapplied for a card 4 times and have not been able to obtain one because my credit score and record are not sufficient to allow the issuance. Nothing has changed since I originally applied for the card. I truly believe the bank will not reissue the card because I cancelled on them.

The only real problem I have with not being able to obtain a card is that I am not receiving miles points for purchases I make on a regular basis. It should be noted that when I closed my account, I had a negative balance of $5.40 which they owed me. I not only paid my account off completely each month, but I would send a little more should there be a pending charge I did not remember and I did not want to have it on the next month’s billing.

I spoke to a supervisor at Barclaycard to say that I did not want the advance on my credit card. She said that the order was processed and could not be stopped. She then researched it briefly and found that the check supposedly had been sent to Kohl's and not my checking account at Wells Fargo. She said that the check now could be cancelled since it was a bank error. I replied that I did want the transaction cancelled. She said that she would start a case inquiry into what happened. The supervisor's name is Fab and her operator license number is **. The case number is **. The Frontier MasterCard for the Barclays Bank Group phone number is **.

This whole transaction just seems unfair and odd. I do hope that they resolve this situation, remove the balance from my account and cancel this transaction. It is just so unfair to the consumer to begin charging interest when the consumer has not received the money.

My true complaint is that Barclays/Juniper partners with TransUnion and on my online statement, it shows a "trans risk score" of 655. When I questioned Barclays/Juniper on this, they referred me to TransUnion, who in turn has no complaint line for this issue. I told Barclays/Juniper that I am a member of Equifax and my FICO score with them as of 8/2009 was over 700 and that I wanted Barclays/Juniper to reflect that score since I feel they used the TransUnion "trans risk score" as a tool to raise my interest rate. Up until last week, I had a zero balance on this Barclays card, but then charged $206.00 on it, which I will pay off this month. When I put this motel cost on the card, I was in the middle of this "trans risk score" issue again with them.

Yesterday, I received an email alert from Equifax telling me there was a change to my credit file and FICO score. When I went on the Equifax site, I saw something from Barclays/Juniper showing my balance increased from 0 to $206.00, which was correct but with a negative comment also, which made no sense to me. This caused me to lose 5 points in my FICO score. I only have one other credit card in addition to this card and have been so dissatisfied with this card issuer that I had been planning to close it as soon as a credit for a returned item gets posted. But this issue has now sealed the deal.

Although it would be nice to have 2 credit cards, I have put off applying for a credit card to replace this one since I know new regulations on credit cards are coming out and I didn't want my FICO score to be affected by an inquiry, but I feel I've had enough from Barclays/Juniper. I have reached the end of my rope with them and the way they do business. I have not only been a loyal customer of Barclays for two years, but have never used my entire credit line and have always paid my balance off in a short period of time. But obviously, that doesn't matter to them and I guess it's because they make no additional money from me.

On July 6, I called the collection operation of Juniper Financial and went over this with them, and finally after getting very upset, they decided to get my bank on a three-way conversation on the phone with us. The bank again confirmed that the $100.00 had indeed been deducted from account and sent to Juniper per their electronic request. They finally said that they could not do anything without a fax of the confirmation. My bank faxed the information to them on July 6, 2009 at 1:57PM (I have a copy of the confirmation.)

I waited 30 days to give them time to research it. I called August 10 to see what they had found out. I got the same response as before that I had canceled the payment request at the bank level and it had been returned unpaid. I told them of the conversation I had previously had and the information we had faxed to them, and they just held their line. I finally said that as far as I was concerned, they had stolen the $100.00 from me and I would look into grand larceny charges against them (if $100.00 is still the level for that). They have no real response but to restate their position. I was going to complain to the CT Department of Banking or the CT Attorney-General, but Barclay Bank/Juniper Financial is in Delaware and I am not sure what can be done by these two agencies in CT.

They started calling me on 7/27/2009 to remind me my payment was due on 7/31. This happened three days in a row, each time I pointed out the pending payment and they promised to remove me from their list to call. (My payment wasn't even due yet and they were starting collection attempts?) On 7/31/2009, my balance showed $1,291.64. My payment was received by them on my due date in the amount of $80. This, with the finance charges of $22.77, would have brought me to a balance of $1,233.41, which is under my limit of $1,250. However, on 7/27, they assessed me another over limit fee, which put me back over the limit before my bill was even due.

They didn't post this charge until 8/4/2009 after my statement printed. So not only didn't they wait until after my payment was due to assess this new fee, they also made sure I wouldn't know about it until after the fact. They had promised me after the second over limit fee that I would not be assessed another over limit fee as long as I brought my account back under the limit by 7/31, my due date, which I did. This third over limit fee has put me back over my limit by $23. They are refusing to remove any of the fees. Consequences: The fees now total $117 for $2.02.

I asked for the fees to be waived but they said no. I feel that I have been abused by this company in the past and still, no matter what I do, they will keep abusing me and charging me unnecessarily $39.00 for a late payment of $10.00. I have incurred a total charge of $107.00 and it is still growing. This is "un-American" and I need resolution; please help. I paid the payment before the closing date of August 4th and they still assessed me. My account number ends in **. Thank you.

I called today to try to get it worked out, but I kept getting customer service people that would not or could not help me (most of them could not even speak English well). Here are the transactions for the past 12 months: credit charges (my charges), $99.87; finance, late and over limit charges, $1,188.21; payments, $1,298.64. As you can see in the last 12 months, I have used less than $100.00 in credit, have paid over $1,200, and have had almost $1,200.00 assessed in fees.

I am averaging $100.00 per month in payments, am no longer using the card (I haven't since Sept. '08) and they still claim I owe them $2,700 on a $2,500 limit. My interest rate is almost 30%, but it seems to be much higher due to the monthly "fees". $39.00 over limit fees every month, finance charge of $55.00-$65.00 every month, late fee of $39.00 in most months, even though my payments are set up to auto pay 10 days prior to due date.

Since I have had this card (2 years), I have paid $4,423.64 for the use of $2,500.00 in credit. If I pay off the current balance shown, $2,733.00, I will have paid over $7,000.00 for $2,500 in credit, and I have made payments that are significantly over the minimum amount every month.

The beginning of July, I tried to pay the US Airways bill online (as always), but I didn't have an account with Bank of America any more. Surprise! An emergency required me to use the new card, but it was declined. When I called Barclays, they said that I hadn't paid my bill, so I couldn't make any charges. In the mail this week, I finally have a paper bill to pay against. Yeah! But Barclays has already been calling my husband's office to demand immediate payment of the full amount. When I tried to call them back was it at all easy to get through to set things straight? Lost in the phone tree, trying to find a human.

Consequences: a $39 late fee and bad credit is my punishment for Barclays poor job of taking over yet another credit card account. And they won't even let me cancel the account!

I called them again to explain that also my job cut some hours and that if they keep putting my interest so high, it's going to be very difficult for me to pay. I want to keep up with my credit, because I already did bankruptcy like 3 years ago. But after that, I was just great on my credit building, and now, they said that there was nothing they could do to help me with the interest rate I have and if I keep paying late or I'm still over the credit limit on this account, I would be increased with more interest rate. I want to keep paying my credit card, but the more, the interest, the worse it's for me. And they are not wiling to help me lower the interest. I hope you can help me somehow.

As of last month, they have still rejected the proposal and still will not give me or the MMI representative the reason behind the rejection. I cannot afford to make the monthly payments at the 27% APR they are charging me. I cannot pay off my card at this rate. I find it strange and unfair that every other bank and credit card company has accepted the program proposals except for Barclays. I have spoken with several representatives at MMI and they say Barclays has been doing this to most of their clients and no one has been able to find out why. I cannot pay off my credit card. I can only afford to pay $200 a month, but the interest charged on my account is nearly the same so my balance is going nowhere. I want to get out of debt and move on with my life and it seems that Barclays has no interest in helping. Of course not, it's how they make their money.

Nevertheless, the person processed the payment on June 5th-8th, which means that the money that was in my account to pay other bills bounced a service fee of $35.00 X 7 and hit my account. I called the bank and explained what happened. The bank gave me credit for two of them; they made notes on my account of what Barclays offered me. They said they would give me credit for the $109.71 that was extracted from account on June 8th. I told Barclays, "No, it is too late. $175.00 in overdraft fees were already applied to my account so you must pay me back the $175.00."

I sent Barclays a letter with bank transactions showing the payments and overdraft charges. The starting date was June 8th and papers were faxed. They told me they had to listen to the phone message to decide and I should wait 7 to 10 days, which I did. I spoke to several people about the situation, then expressed to Barclays that on Friday, June 12th, I could not pay several people because of the $175.00 overdraft fees that they created by not listening to me when I said more than once "do not pull the $109.71 until June 12th."

But no, they pulled it early, maybe thinking I owed them a payment. No, I did not owe another payment. I have stressed over this issue from June 8th until now. Barclays is not a card that anyone would want. I got the same response, "I'm sorry." Sorry cannot fix what you did. In between waiting, they gave me a case number to follow up, same thing, wait another 7 to 10 days.

I received a bill payment dated July 7th for the $39.00 over the limit fee, a service charge of $39.00 for spending $45.00 and a $10.00 fee for cash advance. Now, the account is running on a 29.99% interest. I called Monday, July 20th, to see what was going on with the account. They told me that the case was closed because I called the payment in. Their records will show that I always call in the payments. I said, "What about the phone conversation that you said you were going to listen to? They said they did.

Now, if they had listened to the conversation when I called in the second payment, they would have heard me say to the lady more than once "do not pull the money before June 12th" because I already knew I had other transactions that I had to pay with what was in my account prior to June 12th. Now, I have received another statement for a $39.00 late fee, $39.00 over the limit fee and the interest rate is now 33.53%. I called again and told them to reopen the case. I know what I told them to do with the payment for the 12th. You pulled it early and you owe me. Take the $175.00 and apply it to the statement for July.

And if this was a good company, you would have applied one of the payments to July. I have not sent them any payment yet because it is a chain reaction. I feel like so many of the customers. This company has messed me up so bad and I have good credit, but not for long. I am tired of this not caring, wait 7 to 10 days, then closing the case with no notification to the consumer - that I am numb.

Payments are now $289.73 for August and not $143.25 as before in July. I have all the proof to continue this issue with Barclays. Is there any advice that anyone can provide to me so I can pursue this legally without paying someone else to take advantage of me? I want to hear the phone conversation also, because I know exactly what I told Barclays to do. They failed to listen, they just get the money and call it a day. Thank you all for listening. Your help is appreciated.

I then gave them my debit card # so they could get this settled. Next statement comes again, return payment and late fee again! Now, I'm over my limit and my payments are now $300 and they used to be $88.80. Now, I can't afford this payment. I checked my bank account and the money was removed from my account, so I called Barclays. They said they did not get the payment. I told them it was on my bank statement and it was made. They put me on hold. After waiting some time, they told me they mixed up my credit card account # with my debit card account. It's still not resolved after three months and I refused to make a payment until they fix their mistake! They call me six times a day including weekends.

As you have probably already guessed, this never happens. They do not stick to their written policy that you do not make payments until the issue is resolved. Their contract also states that if you pay your bill every month, then no interest is charged. They did that to me every month for 4 months before I figured it out. The representative told me I have paperless statements and flatly refused to send me "paper statements." If anyone knows where I can complain and get action, please e-mail me. Does a department of the FDIC regulate these low lives? Any information from anyone would be greatly appreciated. I may have to write another line for the old saying: Fool me once, shame on you. Fool me twice, shame on me. Fool me thrice, get me a psychiatrist.

I cannot keep up with the payments. I’m severely depressed and am on multiple medications for depression, anxiety, and muscle spasms in my neck. The stress of this matter has caused a lot of tension in my life. I suffer from insomnia thinking about this. I was recently told by my MD that I need to find a clinical study to replace 2 discs in my neck. My chiropractor told me that I can no longer sit in front of my computer for more than 30 minutes a day to stay out of excruciating pain. I had begun an online business, and I can no longer produce income without this. I feel like a fool for falling for Barclay’s scam 3 times.

Despite being put on their program, paying the amount they requested, Barclays continues to call and harass me. Sometimes, they call once an hour throughout the whole day. Despite my asking that they not call during work hours they continue to call during work hours. I have requested that they quit calling because my account is current. They continue to call. This situation has caused me undue stress and has frustrated me beyond words. They continue to harass me relentlessly. Once this obligation is done, I will never deal with this institution again.

Despite being put on their program, paying the amount they requested, Barclays continues to call and harass me. Sometimes, they call once an hour throughout the whole day. Despite my asking that they not call during work hours, they continue to call during work hours. I have requested that they quit calling because my account is current. They continue to call. This situation has caused me undue stress and has frustrated me beyond words. They continue to harass me relentlessly. Once this obligation is done, I will never deal with this institution again.

Meanwhile, Barclays has been calling me regularly. First, they said that they declined the "proposal" because it was only $113.00/month and not 2% of the unpaid balance (The unpaid balance was $5,668 (2% of which is $113.32). The collection agent said that the proposal would be accepted if resubmitted with a monthly payment of $114.00.

My debt management company resubmitted the proposal for $114.00/month. Barclays called again -- said they could not accept the new proposal because I was in their "program" -- by their action (I never consented) at $119.00/month, for one year, after which they would "re-evaluate" my account. This is classic "bait and switch" 1. They have accepted my payments for four months (This, to me, this is acceptance of the original "proposal") 2. They "enrolled" me in their program -- at a higher interest rate and a higher monthly payment -- for one year -- with the renew at their option and sole discretion. 3. The harassment calls have started -- before 8AM, after 9PM, on weekends. 4. They have started applying over limit and late payments penalties that approach the minimum payment on principal. This harassment has been bad for my wife's declining health.

So In February, my payment was due on the 11th. I had been out of town on an emergency and did not make the payment until noontime on the 12th. I was charged a $439.00 fee and they raised the interest to 14.99%. I called and complained. They agreed to remove the fee but not change the rate. I talked to a supervisor who told me to write a letter to state my case, which I did. They put the rate back for one month and then turned around and raised it back to 14.99% the next month.

In June, I set my payment about two weeks early. In the meantime, I changed banks for my checking account. I realized my mistake the day the payment was due. I called, but there was a fee to do it over the phone, so I tried to do it online but was unable to make the payment for that day with my new checking account. So the payment was 3 days late. They charged me a $39.00 late fee and raised my rate to 19.24%. When I called back to complain the best they would do is lower the rate to a variable rate if 17 something. Considering my past payment history with them, I feel this is totally unfair. When I reminded them that the practice was unfair and would be illegal in 2010, she said well it's not 2010 and we can raise the rate just like in any unsecured loan. Even though I did not get a lower rate, I canceled the account on principal. This has hurt my credit score.

My credit score is 856. I think that Barclays is a little concerned that they run the risk to lose money with me and I think I have to do them a favor! I will cancel my credit card tomorrow and get a card from Citi Bank. I can only recommend that every customer of Barclays who is in the same situation should help them and change their credit cards. Good luck, Barclays!

An account manager came on the line and asked me to give him a minute to review my records. He said he thought that was a bit too much and since I have never been late, as a one-time courtesy, they would drop the extra charges and lower my APR back to 11%. A few days later, I started getting several calls a day telling me I owed $115 due now! I explained what the account manager had said, and they totally denied it. I have to pay $150.00 a month for 6 months and then ask if they will lower my APR.

I truly feel that this is an unnecessary charge and quite ridiculous that no one is willing to help me with this, especially in these hard economic times. I have never dealt with such an uncaring, stern customer service team. When I asked who Joy reported to, for her supervisor, she would not give me that information making me irate! First she said she was the top of the company and had no supervisor then told me the supervisor would give me the same answer. I find this company unreasonable, unwilling to assist, and very uncaring about their customers. I felt like I was talking to a robot.

Until now, nothing but she asked further information. This card has lowered my credit score and I can't buy a new car or even refinance my home mortgage to lower my interest rate, which affects me within next 25 years. Imagine if I was able to lower my APR 1% my real mortgage payments was less every year 5k then 5k*5=25k, that's my primary damage eventually. Thanks for being there for everyone.

The reason for this, Barclay's uses a sliding due date. They say it is because of the billing cycle. Yet to my knowledge, every month has either 30 or 31 days (with the exception of February - I got that). Yet Barclays/Juniper's due date differs by as many as five days. I was fooled by one statement that said my due date was January 4th. So I scheduled all my payments to arrive on the second of every month. Then mysteriously, the due date became the first of the month. The interest rate increased to 19% and then to 27.5%! Even though I had always made every payment on time. I will note that I was rudely handled by a phone rep named Judy, who refused to allow me to speak to a supervisor.

Needless to say, I have transferred the balance to my Citi account. They have always been courteous to me and have extended an exceptionally good offer to get my business. Anyone considering a credit card underwritten by Barclays should beware. I have read many other similar complaints on this site. This complaint is unacceptable and a clear example of the fleecing of the American consumer.

At this time I asked the representative if he could waive this fee as a one-time courtesy due to the circumstance the fee was charged. I believe this was a fair deal due to the situation the fee was charged to the account. The representative said he could not waive the fee and was not able to help me any further on this issue. At this point I asked for a supervisor. The representative put me on hold for a few seconds & told me his supervisor was not available. The representative informed me his supervisor would call me back within the next 24-48 hours. I gave the representative my phone number and the best time to call.

I waited the next 6 days with no response/call back from Juniper. In between the time I waited for a call back I sent an email to Juniper's customer service on 5/31/09 to see if I can get a response to resolve this issue. Again I received no response. Since I received no response, I called Juniper back 6/3/09 to see if I can get resolution on this matter. Again the representative was not able to help me resolve the issue. I asked for a supervisor again, but was told again no supervisor was available to take the call. I was told again by this representative a supervisor will call me back within the next 24-48 hours. At this time I advised the representative that I did not receive a call back from the last time I requested a supervisor to call me back. I will wait this time, but I can guarantee no one will call me back to discuss this issue. I also requested either to speak to the CEO of the company or at least obtain the contact information for the CEO during this second call. The representative informed me the CEO is at a different location and refused to give me any contact information to talk to anyone higher. Seems like they are trained to do nothing to help the customers and to make sure the customers do not get to talk to any supervisors or other management members.

To make matters worse I received a call from a Juniper representative 6/3/09 in the evening to take a survey on their customer service from the call I made on 5/29/09. I took the survey and did give low marks due to the service I have received. I expressed my disappointment with the representative that she called me, but I could not get a call from a supervisor to resolve the issue at hand. This representative also was not able to help me, so I am still at square one. Also, the minimum due on my statement is $11.18.

I am currently $40.11 over the credit limit. If I only pay the minimum due I would still be over the limit and would be guaranteed to be charged another over the limit fee on my next statement. This credit card company is just scamming customers out of money. They know exactly what they are doing is wrong, but won't admit it. Even though I am over the limit Juniper still shows my available credit to be $20.00. I am still trying to figure that one out. If you’re over your credit limit, you should not have any available credit. I contacted a few other credit card companies and was informed they would not charge an over the limit fee due to the finance charges causing the account to be over the limit. I actually have another card that I did go over the limit on recently due to the finance charges and I was not charged the over the limit fee. Seems like Juniper is the only card that accesses this charge for the finance charges. I will never use this card again and will pay it off ASAP.

After 30 days, I did receive a letter in the mail telling me that a charge was made to my account for the $8,000 on April 1, 2009 with a print out of the account number at HSBC that the money was sent to. First of all, I can not believe that Barclays just sent me a full credit card number and also the account at HSBC does not belong to me. Since receiving that info from Barclay's Bank, I have faxed and mailed them approximately three more letters all by US mail return receipt certified mail.

As of today, I have not received a response the $8,000 charge plus interest continues to appear on my statement. I informed Barclays Bank that the account number at HSBC is not an account that belongs to me, that I made no request for $8,000. I have tried calling the customer service line on my card several times requesting to be connected to the dept. that handles disputes to only be told no. I have asked to speak to a supervisor, every time being told no supervisors are available. This credit card is co-branded by US Airways. If I were US Airways, I would not want to be involved with Barclays Bank Delaware, especially since they will not resolve a charge dispute. If this is not resolved soon, this will be a burden of $8,000 plus interest and will affect my credit report.

After about an hour of back and forth arguments, my husband went through the three last statements and a timeline, and noticed that we were basically being double charged. When he asked Marvin about this, he finally admitted that the company does double bill and that the charges weren't fair. Marvin also said that even if we did go over, because it was due to the finance charges, and the overage being under a dollar, I shouldn't have been charged at all. He then waived two of the charges. This was all I wanted from the beginning (I was charged three, but I can live with paying one ... it's the principle). I'm posting this so that someone who has the means to do something hopefully will. We have every conversation recorded.

On March 9, when I checked my account to see if the transaction was cleared from discrepancy, all I got was a statement that reads "Transactions that have posted since your statement are shown by default." I called again and spoke with a supervisor by the name of John who was the most hopeful out of the ordeal and explained about the Kohl's credit account of numbers that was unheard of or unaware. I'm thinking this must be a credit fraud from somebody who got my personal information to fraud this transaction. In addition, I called Experian credit report to alert a fraud.

This is a rip off! I never was over the limit until they charged me the first $39.00. I can't seem to make them understand that they made my card over the limit, not I. This is not the way a customer should be treated. I asked to speak with the manager but they would not let me. They just told me I had to pay their over the limit fee. This is wrong. I shouldn't have to pay for their mistake. I think they should be stopped for taking advantage of poor people and make things harder than they should be. They need to be stopped and pay all the people they have stolen from back.

I called, again asking for assistance with this fee and was told again no? I then asked this gem of a service rep this question: "When I receive a statement for my card saying that I have $750 available as a credit limit, of which $750 is available right now, that isn't technically correct? Because technically what you're saying is that I can charge to my heart's content but I need to figure out my interest charges because I'm going to have to stay within that $750 available credit to avoid an over limit fee?" His answer was yes(?). When I advised him that I was recording the call, he promptly hung up.

Again I sent in another payment, $50 this time with $30 a few days later. Laughably, this $80 payment brought my balance down a mere $20, which means that I'm still over the limit this billing cycle so I'm so excited to open my statement to see another over the limit fee for April! Yeehaw! I have multiple other cards with other creditors, mostly Capital One. I have gone over the limit with Capital One because of finance charges, and the rules are as long as it is brought back down by that billing statement, no fees are charged - same with my other credit cards. I guess I know which one I'm paying off as soon as possible. I'm wondering if letting the card close and go to collections would be a better option. To me, the practices of Barclays/Juniper are oppressive and predatory.