Please let your friends know not to ever get a credit card or get involved with this bank. They are horrific. If you ever have a dispute or a fraud issue they are impossible to deal with. I reported them to Consumer finance.gov they don’t care. I gave them pages and pages of information on this fraud/dispute transaction and all kinds of proof that this transaction was not legitimate. I finally did the work myself called the travel agency and the hotel spent hours going back and forth with Barclays they did not care. Out of 25 different customer service people I talked to ONE Rep who felt my pain!!! To make a long story short I got the refund from the travel agency who said they were waiting for the bank to contact them! Six months of pure aggravation. I kept asking for proof this was my transaction and never received it. The refund was sent to them they got their money and they still charged me interest and ruined my superior credit score. I’m a banker with 35 years experience so believe me people stay away from this bank and their customer service they treat you with absolutely NO respect! BTW I got the proof after they got their money and there was the reason for all this mess right before my eyes that not one of those fraud examiner's caught. Good riddance Barclays Bank!