Barclay's LL Bean Visa is a scam. One of their scams is issuing customers new credit cards, with new numbers, and declining to transfer merchandise refunds from the old card to the new card. I have never once had a fraudulent charge on any credit card in 25 years - except the LL Bean Barclay's Visa. They constantly reissue a new card, with a new card number, due to 'fraud, ' they say. This means that LL Bean refunds are not provided to the customer, because they've 'closed' the old card. Meanwhile, LL Bean tells me they 'provided the refund' (to the old card) and feels they are done with the situation. But I don't get the refund, because it is never transferred from one LL Bean Visa Barclay's 'closed' card to the new card, even though it is the identical account. After 2 months of phone calls and emails back and forth w/LL Bean, I finally received a credit owed. And now, the same thing is happening all over again with a different purchase. Once it is straightened out, I will close the LL Bean Barclay's Visa once and for all. I also am going to shop as little as possible at LL Bean in the future. I have loved LL Bean and hate to say goodbye to them. But they continue to do business with Barclay's, an utterly corrupt company (just google search the name) that Bean customers have been complaining about for years. Bean can pretend to be the good guy and customer oriented, but they could put a stop to Barclay's nonsense overnight. But they really don't care. Bean is making money. That's the bottom line. Unseemly.