About a year ago. After reviewing other comments I feel Barclaycardus deserves a class action lawsuit for their detrimental practices. Detrimental to the credit scores of their customers. I as well as others have had a problem having credit giveth and the a'taketh. I was given a limit of $20,000, shortly after I spent approximately $6,700 i received a letter stating my limit was being reduced. To just above what I had spent. Why would a company give credit then once it is partially used (33%) recind the majority of that limit. The best part, after I had paid off half, and some other debt in less than a year, I asked to have my limit reinstated, which would require a hard pull. So after the initial decrease in my credit score I would have to have another harm my score again to have it fixed. So, don't get a card from barclaycardus.