I got this card because I fly frequently with Lufthansa. I liked the double miles on plane tickets and no conversion fees on foreign charges. I have stopped using it and up-graded my AMEX and Citibank AAdvantage card, with which I have no problems. Why: -- Lufthansa auctioned upgrades and wanted to give me one. The charge was denied because I live in Texas and LH was in Florida. -- Denied for a duty free purchase on an LH flight. -- Multiple denials while traveling even though travel alerts were in effect. Barclay's thinks I should call them (collect of course) when the denial comes through. When I am standing in a store, restaurant, or hotel, this just isn't gong to happen. I now leave home without it.