Have had a Barclays card primarily because of the Frontier Airlines Early Returns Program. It is my favorite airline and I have tolerated Barclays Banks BS for far too long. I believe this company is guilty of usary, legal & illegal. I believe this company is predatory and has developed a computer system designed to exploit their customer base in every possible way. The company reporesentatives, no matter where they are based, are all well trained to lie and to excuse the company's inappropriate treatment. If this is the answer to regulating credit card companies, the legal eagles for the US have missed the boat almost entirely. The benefits that resulted out of the new legislation were completely trumped by other liberties that the credit card companies have probably always had in their back pocket. Thank goodness that all credit card companies are'nt as sleazy and unethical as Barclays.