Worst credit card company with the worst customer service ever! When I applied for this card, I thought it came with 0% APR for 15 months on purchases. It turned out to be for balance transfers made within the first 45 days. So, I made this mistake. When I called customer service about this issue, it took them 5 days to respond and find someone with intellectual capabilities to give me my answers. On the 5th day, when I finally found out why I was charged interest rate, I kindly asked them to waive it for me since it was a genuine mistake. They refused after taking 5 days to figure out what happened. I closed my account and paid the entire amount to avoid any interest charges, yet they charged another one! Dealing with this company was not fun. Stick with American Express for great service and benefits! Barclay is trash in every way!