I have been Barclay’s credit card customer over 10 years with an excellent payment history. And my experience is not very good. This company will stub theirs good standing customers in the back by lowering credit limit when you expect it less. For example: when you pay down the credit cards they lower your credit limit to the minimum. Also the company did not report paid off accounts to the credit bureaus on company’s normal schedule. I wonder if by Barclay’s policy they have a waiting period on reporting paid off accounts to the credit bureaus because of possible customers credit score increase. I have not experience anything like described above from my any of other credit card companies accounts. In conclusion: Use Barclay’s cards while building or rebuilding credit. But get rid of Barclay’s accounts as soon as possible (when you can dodge the few points of credit score loss for closed accounts) before they find a reason to stub you in the back by harming you credit score.