I warn you, do not get a credit card from this company! I have never been late on a payment, well, I was then 2 days late on a payment and they started to charge me late fees and then over the limit fees. I called them to get these reversed since I am never late. They would not do it! I have done this before with my Lowe's card, when I accidently missed the due date and paid a few days late (never 30 days late) and they reversed the fee with no problem. I have closed my account with Barclay's bank and paid it in full so they will get no more money from me. read full review »