I am getting in a cruise ship tomorrow. I paid $600 on my carnival credit card issued by barclay bank. My minimum payment was only $61. this was to cover my expenses, hotel, etc. I am now in Miami, just checked on line and found out barclay bank had closed my account 2 days ago without notifying me. I am not able to use the $600 I paid them. The rep on the phone advised me to take a payday loan. How cruel can they be?