Barclay is a card you pay $40.00 to have. I don't know why I signed up for the card,I never used it once. I finally just decided I am wasting $. 40.00 a year for a card I never use. I have excellent credit... until I decided to not pay 40 to sign up again. Never have I ever had to pay a fee to have a cc. Soooooo.... I get a notice today that my credit score dropped bc I did not pay 40.$$ to sign back up to Barclays. I'm going to dispute with Consumer Protection. No one should have credit damaged bc they don't want to have a cc they have never used. What a scam!