Choice Hotels which is a reputable motel chain has changed the credit card "rewards program" to Barclay's Bank which offers free rewards redeemable for free lodging at Choice Hotels properties, in exchange for using their credit card.

There is apparently a "cut off date" with the Barclay's offer and Barclay's recites one excuse after another for delaying the issuing of cards which have been approved. Their first excuse was that there was no application made in my name. A second inquiry responded that the "card was returned because of the address change." I haven't changed my address in 30 years. In response to this Barclay's says "because of homeland security they can't send a credit card to a PO box." That's strange, the IRS and the Department of Motor Vehicles recognize a PO box as a valid address as do many other credit card companies.

It appears that Barclay's Bank made extravagant promises to solicit credit worthy applicants, with little visible effort being made to follow through with their promises. Every contact with a representative of Barclay's Bank produces a different story.

Most recently I've been contacted by a firm called Juniper Financial which seems to have knowledge about my credit application. I have no idea with whom Barclay's Bank has been sharing my information and I'm sorry I ever made contact with Barclay's Bank a month ago.

I'm going to contact the three major credit bureaus to see if I can prevent or limit damage to my credit rating as a result of my contact with Barclay's Bank.