Even if you have good credit, Barclays will do a hard pull of your credit file, Then, Barclays will tell you that your credit reports are bad. Then, they will lower your credit limits so low that you can not use your Barclays accounts. I have seen Barclays alter my credit card statements while I was online making a credit card payment on the phone to my Barclays accounts. I was also been told by Barclays employees that this has happened to them. They are afraid to speak up in fear of losing their jobs... It seems the more business you do with Barclays, the more you get punished by them. Barclays will destroy your credit on purpose, if they don't like you. Thanks, Mike B. User's recommendation: Be careful of Barclays . They have lied to the credit bureaus. Barclays will do everything in their power to destroy your credit.