If there was an option for a minus score then Barclays would get it. Please trust the bad reviews on here - they are probably just the tip of the iceberg. Having applied for a credit card as the reviewer earlier said, I was rejected which due to my financial situation completely threw me as my credit score is excellent and I always pay my bills in full and even manage to save!!! You would think a large bank like Barclays would be able to actually to clarify what evidence they use to come to the decision? But no, evidently Barclays underwrites its own applications so no neutrality and evidently they can’t confirm my income despite it all confirmed by the tax I pay through HMRC and they won’t say what other criteria the decision is based on. You would think if a decision was a valid and competent one, there would be no problem to substantiate it? The clerk - Michael- from the executive office who was totally obstructive and unprofessional and hadn’t been to the customer services classes; he couldn’t understand how ridiculous his excuses were. I don’t really want the card now but I am extremely concerned as to how this large high street bank make decisions and how they stop customers knowing how those decisions are made - I would be very concerned if I had assets or a mortgage with them as they clearly ensure there is no comeback on decisions made, as you can’t get the relevant information. It is appalling in the age of GDPR that a bank can have any information about the customer without the customer knowing what it is, but it appears they can refuse to say how they use this information! GDPR rests on transparency but Barclays have not been transparent in my case and clearly not in other reviewers cases either? They rely on the fact that people have more to do with their time than pursue the matter. They need to be held accountable