This company is ran by a bunch of scumbags. my mom had a card with Barclay and when she died, they sold the bill for her final payment to some shady collectors who harassed my entire family via phone and mail. Instead of just contacting the estate/my attorney directly like the other credit card company did, they attempted to ruin my dead mom's reputation by making our family think she had some major debt. The bill was too small for them to care enough to contact us directly, so instead they signed myself and my family up for constant harassment and embarrassment.