I haven't seen this discussed here, but Barclay starting to offer more competitive products, so I think it's worth mentioning. Old-timers, you probably already know this (but a reminder won't hurt). Newbies, take note. If you set up a Barclay card to automatically pay itself your choices are "minimum payment due" and "statement balance." Most banks offer similar options, with some being called "current amount due" or sometimes "current balance." For those who may not always read the fine print, you need to be aware that Barclay does exactly what it says. With a Barclay auto-payment, if you choose "statement balance", they will pull the statement balance from your checking account, regardless of any payments you've already made. Let me offer a comparison with Chase, just to make sure the difference is clear: With Chase, if you're set up with auto-pay and your statement balance is $2,000, they will pull $2,000 from your account when the bill is due. However, if you make a payment of $1,000 a week before your payment is due, then they will only pull the remaining $1,000 from your account. With Barclay, in the same circumstances, they will still pull the full $2,000 statement balance from your account. Even if you've already paid the bill off in its entirety and have a $0 balance, they're still going to pull $2,000 out of your account. I'm not accusing them of being deceptive, because that is exactly what the checkbox says, but it's critically different from the way other banks handle things and it can be a rude surprise if you're not prepared for it with sufficient "float" in your checking account.