I have been a customer of Barclaycard for 12+ years. I have a Mastercard and a Visa. I use both cards and pay the balance monthly. Recently, Barclaycard drastically reduced my credit limit on the Mastercard. I called to ask why and was told that because I am not using all the credit Barclaycard decided to reduce my credit limit. In the past, this happened for inactivity, not on cards I use monthly. I recently had to file a dispute against a merchant who has refused to refund my money and kept the product I returned. Barclaycard did not protect me in this transaction, sided with the merchant who is out of the country and has threatened to ruin my credit if I don’t pay the disputed amount. I have never been treated like this by any credit card company. As a result, I have ceased doing business with Barclaycard. I have a 0 balance on both cards. This credit card company does not care how decreasing a credit limit can impact credit scores for an account that is in good standing and in my experience, not fighting for the rights of their customers with companies that rip people off. I really wish there was a way to give negative stars.