Seriously guys...before you go pick up the phone and cry to the "relationship managers" at this company about how you were done wrong...do your damn homework...there is a little thing called "Terms and Agreement"...in that it discloses ALL the things that can happen to you or your account...by signing your application and opening an account you are agreeing to this...agreement. If you dont like it...DONT sign up for the damn card...and here are just a few other specific concerns I would like to voice.

1. It is not YOUR money...its the bank money that they lent you...and you are paying them back...so if you get a paymenthold on your account...deal with it...it will be removed in just a few days.
2. Dont try to make threats..."Well if you dont remove that fee Im going close my account"..."If you dont lower my APR Im going to just not pay you"...this will get you nowhere...promise.
3. Dont brag about the money you have...they see credit limits all day...I guarantee they have seen one larger and are not impressed with yours...and it just makes you look douchy.
4. It is NOT the banks responsiblity to monitor your spending unless they deem it fraud...in which case they will let you know and assist...so dont bother calling up and saying "you let me go over my credit line"...(this is in the terms and agreement) they are not babysitters...and literally have millions of accounts to monitor...so if you dont even know what your spending theres a good chance you should just go ahead and close your account...your bad at math and this will only lead to more problems for you...and another thing...just like there are some that dont want to go over the limit there are some who do...and for those of you who knowing do go over...dont cry when your rate goes up and you get a fee.
5.And as far as responsibilty goes...when you call up and say "I just didnt open the bill"..."I was on vacation"..."wah, wah, wah...waive the late fee"...no...its your job as the card holder to pay attention to your due date...not the banks...so pay attention...and plan ahead if need be...you can make payments through the mail, over the phone, or on the internet...and schedule them for the future...what a concept.
6.Dont make death threats or tell the reps to performs dirty sexual acts...theres a good chance they are putting you on mute and just laughing with their co workers at your crazy ass...and remember...while you may think you are making them angry...unlike you...they are actuallygetting paid for that call...the people you talk to on the phone are not the ones that make the rules...but they do get paid to enforce them and educate you.
Its mind boggling how some people can take an unsecured loan...sometimes and huge loan..and not read up on all that they can about it...the information is given to you...so read it! Have you at all been paying attention to the economy or how businesses work...they are in it for money...but they do inform you in one way or another...even if the bank is based out of delaware ( a state that has some pretty crazy banking laws) they are still require to give you all the info you need to keep from getting screwed.
7. Go ahead and get a lawyer...Barclays is a multi billion dollar company...I can assure you they have a better lawyer than you and will win...they werent born yesterday...and have surely come across another card holder who didnt read their terms just like you and have already dealt with a similar case.
8.Dont try telling them about another card you have and what their policies are...they will not bend the rules to fit your prefrences...and they know that other banks practice close to way they do...so dont try schooling them...they know what banks "really" do...they work for one.
9.If you dont like companies like this...then stop supporting them and just close your account or better yet...dont open it in the first place.
So for all the complaining you do to the banks...this ones for you...read your terms and agreement...or SHUT UP!