Barclays posts payments late on purpose in order to collect the late fee. This happened to me three times in the ten months I had this card. Mailed payments from Boston area to Philadelphia PO Box DAY AFTER statement arrived, twice they posted four days past due date, once they claimed they NEVER got the payment. It cost me over $64.00 in stop payment fees plus another $29.00 Barlclays charged me for a stop payment check, (even though the account was current when the stop payment was done. The account has been closed by me, and I would advise everyone NOT to open an account with Barclays, on ANY airline.