Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Issue : Credit line decrease despite longstanding positive history and breach of assurance by Barclays representative Details of the Complaint : I am filing a complaint against Barclays Bank Delaware regarding the repeated and arbitrary reduction of my credit line, as well as a recent incident in which I was assured by a manager that my prior limit would be reinstated an assurance Barclays failed to honor. 
I have been a Barclays Rewards cardholder since approximately XXXX and have maintained my account in good standing for many years. 


Over the course of my relationship with Barclays, my credit limit has been reduced multiple times, despite a positive history. At one point, my limit was more than {$7000.00} higher than it is now. 


Most recently, on XX/XX/XXXX, Barclays decreased my credit line by {$3800.00}. I immediately contacted customer service, escalated the issue, and spoke with a manager. On this recorded call, the manager assured me that my previous credit line would be reinstated following a soft credit inquiry. I consented to the soft inquiry since that was the only way to guarantee reinstatement per the Manager. The next day, XX/XX/XXXX, I received a letter from Barclays, despite the managers assurance, stating that my credit line request was denied. 


I also have made several separate requests over the years for an APR reduction and/or credit increase, so that I could utilize the account more actively. Every request was denied, despite my positive standing as a long-time customer. Barclays has repeatedly stated that my lower usage is a reason for reducing my limit, while at the same time denying requests that would have made the card more usable. 


This situation raises several concerns : Breach of Commitment : A Barclays manager explicitly assured me on a recorded line that my original limit would be restored. Barclays has failed to honor that commitment. 


Unfair Treatment of Longstanding Customers : My credit line has been decreased multiple times without justification, despite years of good history.

Catch-22 in Usage Policy : Barclays penalizes me for not using the card heavily by reducing my limit, while at the same time refusing to reduce my APR so that I could use the card more. 
Negative Impact on Credit : These repeated reductions have harmed my available credit and may negatively impact my credit score through higher utilization.

Requested Resolution : Reinstate my credit line to the prior limit, as promised by the Barclays manager.

Provide a clear explanation of why my APR reduction requests and reinstatement were denied despite m
y longstanding positive history.

Review Barclays practice of reducing limits on longstanding, responsible customers, as it appears arbitrary and unfair. 


I am submitting this complaint because I believe Barclays actions are inconsistent, harmful to consumers, and contrary to fair credit practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation