I called Barclays to dispute a single charge for $30. The young, foreign, inexperienced CSR was clearly confused, so I asked for her supervisor, and she refused to transfer me. She closed my account as fraud. I could no longer log in online. I called back and another guy said that she didn't finish what she was doing and he would send me another card. I got the new card and could log in again. However, they marked all my charges for OVER 2 months as fraudulent and they were charged back to the vendor. My cancelled card now has a $1000 credit balance, that was not moved to the new card, so I was not aware of the credit or the reversed charges until the vendors started contacting me. I am sometimes charged a penalty for returned payment. I have talked to 10 people at Barclays so far trying to straighten this out, and it is like starting over with each person I talk to, and it just keeps getting worse. I even spoke to a manager, who, while very apologetic, did not get the reversed charges paid again. The executives at Barclays might think they are saving money by sending customer service off-shore, but it is false economy. In fairness, some of the people I talked to were not from the US, but at least could understand English. The initial CSR had no idea what I was talking about and had very limited English. This was my main card and I used it for nearly everything. I will no longer use this card, and I used to use it almost exclusively.