had a barclaycard for tears always paid on time never the minimum amount they increased my limit without asking me but i never abused the credit then i bought a top from j.d.williams for my wife costing £24 which we sent back for credit j.d.williams never did the credit although i did have posted proof and they put me down as a late payment which was for £2.50 barclaycard reduced my limit at a click of the finger i still did not know why when i found out through credit experian i contacted j.d.williams and corrected issue and removed miss payment mark my credit report returned back to excellent informed barclaycard they did not want to know they said they would review me in 4 months and gave me £50 for my troubles wish i had maxed out my card now never use them again they are just a poor company to deal with i have another card elsewhere they understood the issue no problem barclaycard could not be bothered be very careful with them