I pay my full balance each month and am on auto pay. Barclay debited my payment of $3000 twice on the same day from my checking account, so now I have a credit of $3000. Why on earth would I want that? This should be illegal. Once the balance is Zero, they shouldn't be allowed to collect any more, granted I may have made an error on my end, but it was confusing, and for them to collect again and tell me I have to wait 2 weeks to receive my funds back is ridiculous. I ended up canceling my card and that way funds returned 7-10 days. Have been a customer since 2008, but customer service was so rude. Better credit cards out there!