We closed our account with Juniper/Airtran (Barclays)because we asked if they could lower our interest rates of 27% after we made a one-time payment covering 33% of our bill and they said no. We were warned that because we were closing the account, the rate could never be adjusted, it would remain at 27%. Now after about 1 year of on-time payments, they just INCREASED our rate to 30%! Once again, like other customers before me, a scripted service rep (if you could call them that) said that Barclays has the right to adjust rates as they see fit. How can you refuse to decrease a rate because an account is closed, but you can increase it? read full review »