Because I was late on a payment, they sent me a letter that since this happened, I have triggered the Penalty APRS of 25.24 on any purchases after today. I haven't used the card in almost a year. It was a joke when I got it. AIRTRAN litereally attacked me in the isle of the airports and on the plane to get this card. They said we would get a free round trip ticket. Still haven't received the free tickets. I will never Barclays again. read full review »