Had a Old Navy Visa with Synchrony for many years and no problem then received a letter stating that Synchrony would no longer be the bank for the Old Navy Visa and it would change to Barclay World Mastercard. I had requested that my credit limit only be a $3000 limit and went on a cruise with this card and was charged WAY WAY beyond my credit limit without my permission. Tried disputing charges and they stated I could not dispute after about 5 months of sending documentation to them and when they stated I had a good grounds for a dispute at first. They stated that they allowed this to go way over the credit limit because I was a good customer and paid my bill on time and more than minimum owed. This is what I really think why they allowed this because the cruise line that we went on also is a customer of Barclay and Barclay holds their credit card also so they allowed this because they could up our limit on the cruise and also help the cruise company make more money and they also would make more money from interest if not paid in full right away. What a SCAM. When talking to them they said it is on the back of every statement "No Pre-Set Spending Limit." Please read this because this could get you in trouble. I am older and never have had any cc company that can just up the credit limit in certain situations if they want to and you have no say so!! BEWARE OF THIS CARD!!! I will never do business with Barclay again!!! I truly would not rate them any stars if I could!!!