Here is a more realistic response from Barclay secure message about the prior vs current terms effective date:

"For existing customers since 9/30/2014 or before will have their changes go into effect 11/17/15. For Customer since 10/1/2014 or later will have their changes go into effect 8/16/16. New applicants will automatically have the new benefit changes implemented into their terms. We apologize for the typo in the last response. Please refer to the following link:

http://www.findmybarclaycard.com/bar...val-plus/terms

Again we apologize for the confusion and hope that we have been able to explain this better."

Wonder what native language they use?