I can tell from my personal experience. It was 4/20/2015 when I made the mistake of opening an account with them and believing their sweet talk and sweet claims which made me deposit $3300. In 4/22/2015 the balance on my account without any of their promotions was gretaer than my original deposited amount. I felt that this is not for me, and asked for withdrawing my money. Since then, it has been now more than 4 months of requests, complaints, emails, phone calls, and disputes with my credit card company; and I am not getting my money back! I don't recommend doing business with Binarybook or having a credit card account with Barclaycardus. Binarybook is a SCAMMER and Barclaycardus is the worst credit card company I ever dealt with. They don't do their job in protecting their clients. In two words: Stay Away.