We had a $35,000 credit limit with Barclaycard. We always payed our balance in full every month. We decided to move a lot of our monthly subscriptions to Discover instead for the cash back. We still used our Barclay card and would pay off the balance every month but it wasn't as high of a balance usually. Out of the blue, and with no notification, they lowered our credit limit to $7,000 which then in turn lowered our credit score...FOR NO REASON! Just because we weren't charging as much. We have never once been late, missed, or not payed our balance in full - NOT ONCE! They are not worth it. And to think we pay yearly for them to treat their customers this way! Get lost. Going to use our miles toward our balances until they are gone and then close this card. Horrible experience.