I want to start off by saying I feel sorry for anyone who has a credit card with this company. Read further in for ways to get some issues resloved for I have worked for credit card companies in the past. About 4 weeks ago I started receiving phone calls for a person whom I did not know. I told them countless times that they have the wrong number. Then I started getting up to 19 phone calls per day from these people. I have spoken to countless managers who tell me that my number will be removed by the end of the day because of the dailer, then was told 3 to 5 business days then 30 days. I can't ever get someone who speaks good english enough for them to understand that in the US you can only call someone 7 times per number they have listed and that once someone tells you 3 times that they have the wrong number that it is to be removed. To explain the 1st call can be a person trying to run from them so they need to verify it but some companies do remove the number after 2 calls. I am also on a Do Not Call list here in the US. I had one guy tell me that I was wasting his time by asking for a manager when he was one. I little secret here, when I worked for a call center we could say we were a manager if we had been there for a certain amount of time and if the caller wanted to speak to our manager then we put the person next to us on the phone. I now have a call into the privacy officer of Barcalys Bank Delaware.

Tips: Per the FDCPA they can only call a given number 7 times per day, can't call you at work unless you give them the number or you do not have another good number. They can only call between 8 am and 9 pm in your time zone and from 9 to 9 on sunday. To get your interest rate lowered you must complain about it from 2 to 4 times depending on the company. Also if you can't make your payments ask for a hardship program or see if ou have insurance on your account, they will not suggest these offers to you because if you fall behind they make more money. If those don't work go to a CCC or credit place where they will get your interest rate lowered for you and make your payments lower (sometimes they can even get your rates frozen). If you do go CCC then make sure it is a non profit one. As far as getting late fees or over the limit fees reversed, you must be concerned about it and some times speak to a manager, but remember just cause they say they are a manager doesn't mean they are...try asking for the department manager. Also they can not call a cell number unless you tell them they can or it is the only number they have for you. Words of advice, never give up and try to pay off your credit cards, I will never own one after working for a credit card companies...It takes the average person about 25 to 40 years to pay them off cause about 90% of your min due is interest alone. Best wishes to you all.

I have a US AIR Credit Card and made regular payments through my checking account. The amount is usually $50 more than the minimum to account for additional charges. The payment is automated and scheduled to arrive 10 days before due date.

I made a payment of $650 one month which turned out to be $25 less tanh the balance due. When they notified me, I sent the additional money and adjusted my future payments.

I was told the this is considered a late payment and they raised my interest rate to 27%. I called them but could not get any answer other than 'there is nothing anyone can do'. I asked for the customer service manager and was told there is none there at the call center in the Philippines.

I asked for a name and phone number for someone in the Delaware Headquarters and was told they didn't know anyone there. I asked for the name of the head of the bank in Wilmington and was given a fictious name that didn't exist.

To this day I have not been able to get a name to contact. I have never missed any payments in 40 years and this is the way they treated me. I had a problem with Citibank and called them and they took care of it immediately.

Don't deal with foreign owned banks that are afraid to get customer service calls because they know how bad their service is.

I signed an agreement with Barclays Bank for a Juniper credit card with a specific credit limit. I had it for 6 months, and intended only to use it when I needed it. So, when I needed it, I used it, but I did not max out the card. I only used 1/3 of the limit.

So Juniper/Barclays decides to 'lower' my credit limit to less than the balance I had just used. So basically, I am now $45 over the new limit! And oddly, my Dec statement still shows my original credit limit (not the new lowered limit). But they emailed me to inform me that I am 'over' my limit!

I called them and explained that when I signed with them, my limit was a specific amount; I am a customer in good standing; I have not abused the credit card; but they chose to lower the limit to less than I had charged! I said I wanted my original credit limit put back on the card!

I also let them know that if they dare charge me an 'over-the-limit' fee that I won't be paying anything on the card, and they can just deal with my attorney.

But they said they reserve the right to lower the limit. On a customer who has not abused the card? Yes, because I didn't 'use' the card! How absurd is that!

So apparently, it seems to me (IMO) that Juniper/Barclays would prefer customers who 'abuse' the card, max it out, and then don't pay, so Barclays can spend hundreds of dollars trying to get the balance of the card, opposed to a customer who does 'not' abuse the card and only uses it when necessary, and pays on time! I guess I should have 'abused' the card! That seems (IMO) to be the only type of customer they prefer!

So IMO, and from my experience, I recommend you do NOT get a Juniper/Barclays card. Sure, all credit cards are a rip, but it's worse when they 'punish' a good customer for 'being' a good customer. And I just want to warn the public. There are enough legit and professional companies out there without using ones who rip you off!

The branch of barclays branch in bishop auckland told me at the manned cubicles that my account had over ten pounds more in the account than i actually did according to their phone services hours before logging this report. i paid for something online that was of the balance of around nine pounds. i since have had two reserve fees of 22 pounds added which has made my account over fifty pounds overdrawn, i have had a blind refusal to pay it back, another complaint has been logged after i had already complained about it previously and they had labeled the file RESOLVED!!!. this is in total the 17th error on their part in 6 months, many of which i have had to pay for. last time they let money to the tun e of 123.00 come out and racked up the charges to 890.00 over four months with no other contributing factors. they are criminals!!!. they do deserve to go to court for their actions which are the actions of profiteering con artists. i would not run a business that way and nor should they really. DO NOT OPEN AN ACCOUNT WITH THEM, it costs more to bank with them than goes into your account and they have ruined my credit rating. i have no other debts or blacklisting with anyone and do not deserve this stress. no-one needs the hassle that goes with banking with them, i don't do bitter but a rip off is a rip off and this site was designed for a company like barclays to be found out.

A call to all Barclays Additions Plus customers; you may have received a letter today informing you that your account fee has increased to £16 per month as Barclays 'have listened to your feedback'. Did any of you ask for your fee's to be increased? I think the answer is no. Why don't they just drop some of the meaningless benefits they use to keep the fees so high. Please complain and email Barclays customer services.