You can't dispute a charge online. You only can do it on the phone with the customer service representative who insisted that you should dispute the charge directly with the merchant. I told her I did and was unsuccessful. She was rude and keep pushing me not to dispute the transaction. I asked to speak with someone else, another representative try to talk me not to dispute the transaction and put me on hold. After 30 minutes of battle with the representative, I finally was transferred to the dispute department, the third person that I need to talk to and disputed my charge. But it doesn't end there, it just the beginning. They said I have to mail them the supporting documents, they will mail me some paperwork for it and I will expect 30 days for them to investigate. It was the worst customer service experience I ever received from a credit card company. The impression I got from this credit card company is that don't dispute, for whatever reason, talk to the merchant directly, resolve it on your own.
Balance tranfer offers are subject to how they feel on a given day despite having a 840 FICO and nearly four years of perfect payments with them. They don't even have the decentcy of sending you a letter or caling.
I love this card. Credit line is awesome and the customer service is wonderful.
I was stunned when I received an email about my new FICO score 2 days after applying. I went fri. 779 to 749!!! I original opened to transfer some balances for the 0% for 21 months. However, when I applied the offer was there for me to use. I called and was told to check back. I don't even have the actual card yet and I'm planning never to use this account ever!!
CK says my odds are poor but I was approved with a $1300 limit. I did have to call in for verification though it wasn't an instant approval
Barclays can be sensitive so I won't use this card much after the initial $100 reward bonus.
I have bank cards by Capital One, Synchrony Bank and Merrick. I added this one and want an AMEX and Discover to round things out. No thank you on Chase and I haven't looked into Citi.
Zero fraud protection. I had not used the card for 15 months, and stopped checking my statements (my fault). 15 months after not using my card, a Netflix recurring charge appeared on my account from Florida ( I live in Chicago). I was unaware of these charges for 5 months until I got a call from collections. I disputed this with Priceline, they accepted and confirmed fraud. Due to this, my credit score dropped from 808 to 589. Priceline did not report the fraudulent activity back to the credit companies and my credit took a huge hit, all for $72. Priceline should have caught this charge the second it happened, but never flagged it as fraud. I now am not able to apply for a mortgage, thanks Priceline. It will take a month to get this all figured out!
It doesn't matter how many "miles" you earn because when you try to redeem them for a flight, they won't be honored. It's usually an excuse such as "there are no seats on this flight for Early Returns members." After 5 years of trying to get a flight with my "miles" I finally gave up and decided to redeem them for a free rental car. I got the rental car voucher for a 7-day rental from National Rental Car, but they wouldn't honor it because there were "too many other people using vouchers." TOTAL FRAUD!!!
This is a serious warning....... don't fall for their 50,000 miles scam...... they would give you every reason why they can't grant you the miles even if you spend the minimum required amount and fell short one little thing.
Warning......... do not open an account with Miles & More MasterCard. These guys are the biggest scam ever. Bad customer service. Worst company to ever deal with. Try to stick with Credit Card company that is the USA (they know customer service) based, not a British or whatever other country's credit card companies are................