Had a Barclay credit card for well over 10 years. Never late and always paid above the minimum each month I had a balance. Credit Line plummeted from $4000 to $1000 over course of two years. Total balance always under $1k. The company has routinely reduced my credit line so that your credit utilization has skyrocketed over the course of two years even though I have been responsible with the card and always tried to keep my utilization rate below 15%. Their squeezing the credit line has resulted in my utilization rate more than doubling and a total score drop of 40 points. This is done to lower your credit score and to harm your credit report. There are other better options, use them. Choose elsewhere.