UGH - WHERE DO I START? Due to illness in family (cancer diagnosis during corona virus pandemic) i was not able to access internet to make payment so it was one day late_ excessive fees charged and multiple complaints - finally (multiple email requests - and could not use chat or phone (kept dropping my calls) had the interest charges removed as I had NEVER been past due and always paid in full every month but BARCLAYS would NOT remove the $25 late fee - this is total BS! Anyway - will be canceling this card because of customer service lack of empathy. To make matters worse the 50,000+ mileage point I had accrues were removed from my account. Blah- blah-blah. I could go on and on - Basically - they SUCK User's recommendation: zero - DO NOT USE THEM.