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I paid for 12 months 'interest free' on £1200 of debt. All was well until I used my card to make a purchase of £2500. I paid the interest on the excess amount without any problems. I paid off the £2500 thinking I will have the interest free for my debt which is now under £1200 but they are now charging me interest on this debt. I paid for interest free for 12 months on £1,200 I have 4 months left and they are not honouring what I paid for.Cheeky rip off merchants. Won't be using them again! Do I have a leg to stand on if I complaint. In my eyes this is theft. I won't be using them again.anwar
Egg recently upped my interest rate to a fraction under 30%.I queried this and was told that it was a 'business decision' based upon my credit score and the fact that I was only £800 short of my 10K limit.I'm a company director and homeowner and have never missed a payment. I have no problem obtaining credit.So I've made my own 'business decision'. I've sold my premium bonds and paid off the card in full.Up yours egg! I'll never purchase another financial product from these greedy opportunistic pigs again and would urger others to do the same.
I got an Egg card after seeing an offer for a 0% balance transfer if I moved to Egg. At the time I was trying to economise and so any opportunity to save money was something I readily accepted - and as I do most of my banking online anyway, Egg seemed like a good option. Although I had banked online before, I'd never used a online only bank before and so I wasn't that sure what to expect, but Egg seemed to have a good reputation and was well established in the market.
**Applying for the card**
Applying for the card was easy and was done through their online website. It only took me about 5 minutes to fill out the online forms and then I heard back within 24 hours (via email) telling me the account had been approved and that I would receive documents in the post within 7-10 days which I needed to sign and send back. I received the documents within 3 days and then the Egg card about 5 days after that. I was fairly impressed by their organisation and the fact that everything seemed very user friendly.
I was given a decent credit limit that was in line with my other credit cards. The interest on the card was also decent and acceptable to me in the current economic climate.
**The Online Account**
My account was accessed via the online website and simply meant that I just had to log in order to view all the details about my account. When logging in I was asked for a number of unique details to keep the account secure. Although you can ask your computer to remember some of these details, the password always has to be entered as an extra security measure.
I never have had any difficulty accessing my account details and its always been accurate and efficient. I have no issues with the organisation or the efficiency of the online facilities which are great.
I have been able to access my balance, apply for more credit, change my PIN, make a payment etc. - all without difficulty.
**Using the card**
Using the card has always been easy and its VISA status means that its accepted practically everywhere. I've never had the card refused and its always read well in the chip and pin devices.
So, I was using my card regularly, staying within my credit limit, paying off at least the minimum payment every month - and nothing had changed in my financial situation. But then suddenly, without explanation, they withdrew my card. I wasn't given any notice - just one month I had full use of my card and then the next day they closed my account.
I emailed Customer Services and they sent me back a standard inpersonal letter which said that my credit rating meant that I was no longer eligible for the card. They reminded me that the card remained their property and they had a right to withdraw it at any time without explanation. This annoyed me a little and so I put in a phone call to Customer Services, hoping for a more personal response. Again, the response was standard and when I mentioned that nothing had changed in my financial position they simply said they were not prepared to comment. I later complained formally, in writing, to Customer Complaints and they never replied to my letter. Not very helpful or satisfactory customer services!
After threatening non-payment of my outstanding credit unless they replied, they did eventually get back to me (3 months later!) and said that they had reviewed my account and although they would not reopen it they would accept monthly payments to pay off the outstanding balance. This was something, but I still am not happy with the lack of explanation and the dismissal of my complaint without due consideration.
Based on my final experience with Egg I don't feel I can recommend them. Like most people, I plan my life around my finances and having this card withdrawn without any notice was highly inconvenient. However, more than that, I think their inability to treat me like an individual and talk to me about my complaint was unprofessional and inconsiderate.
I first decided to get an Egg Credit Card to take advantage of a 0% Interest Balance Transfer (BT) about 2-3 years ago. This was so that I could buy a £1,000 laptop (Samsung Q35). The interest free period was only 6 months but that's all I needed to pay off the balance. I think the BT fee was about 2.5% back then. It's a bit higher now, circa 3% in line with other credit card providers. They also have a 0% on purchases offer on the same card, at the same time alongside the balance transfer offer but this is usually shorter than the balance transfer so if you use both and you don't clear the balance before the end of the 0% interest on purchases period, you end up paying interest on the purchases spending unless you clear the entire balance as this is a sneaky tactic that most BT cards use.
Opening the account was done entirely online and was pretty easy. Naturally, it's subject to status and you do have the chance of getting your application rejected. Mine was accepted after a few days of applying and I did get a higher credit limit than all my other cards, which was nice. Once all is good, I received documents and my card in the post. Can't remember if my PIN came through the post or not as a more recent egg card just asked me to log in to view my PIN online.
Logging in involves providing your first name, last name, date of birth, postcode and then your security details such as your mother's maiden name followed by your password. The first four details can be 'Remembered' on your PC so you don't have to keep entering them if you use the account frequently although this is not recommended on public or shared computers. This is easy and once logged in, my account area lets me view all my Egg accounts. I also had an Egg Money savings account back then so that was there. Clicking through to the account showed my balance and enabled me to manage my account such as pay bills, amend direct debit details, request an additional card, view my PIN, as well as send a secure message to customer service. Everything one would expect of a credit card online account.
Once I'd received the Egg Credit Card, I was able to activate the card online as opposed to having to phone up. Free number (0800) or not, I really don't like having to phone up and they ALWAYS try to sell you their rip off Payment Protection Insurance (PPI), so this is a good thing, being able to activate online. However, Egg did phone me up a few weeks after opening the account as a courtesy call to see if everything was okay and they did try to sell me the PPI there, which I of course, declined to take up.
You are emailed each month when your statement is released. A text message each week updating you on your balance is also possible, which is handy.
Having opened the account for the balance transfer, even after the promotional period had ended, every once in a while, they offered me further interest free balance transfers, typically for 6 months. I think I took up the offer one other time. This is quite good for those whom sometimes need a bit of breathing space with paying off cards and even better for those whom are finding it difficult to apply for new credit cards due to past arrears (bad credit score) or due to lenders being a bit more picky due to the credit crunch. Another benefit, which I utilised a few times is the Instant Cash back Offer. Clicking through the rewards section in the online account, you can get discounts through the listed retailers if you shop at their website using your Egg card. The discount is automatically applied. The discounts currently offered are;
0800flowers.com - 10% off
lastminute.com (travel) - 5% off
7digital.com (MP3 downloads) - 10% off
Figleaves.com - 10% off
Joe Browns (clothes) - 15% off
Virgin Wines - £60 off
Buyagift.com (gift experiences) - 20% off
Under Travel and Privileges;
Egg Travel Insurance - 10% off
Lounge Pass (for access to airport lounges) - 10% off
Holiday Autos (car rental) - 10% off
Holiday Extras (Airport hotels and parking) - 13% off
Great if you use those but percentages change. They used to have Dixons on there, which gave a discount of 5% and even 7% off at one point. Dixons was the only one I used so I'm not really happy that they removed the offer even if I seldom used it.
Another one, which is very limited is 2% Cash back for petrol spends at (participating) Shell petrol stations. I'm guessing other shopping at Shell garages counted as well as they probably don't differentiate what you're paying for at the garages. This one would be handy for a lot of drivers, and they can even use it in conjunction with the Shell rewards card but unfortunately, this offer only popped up twice or something and each time only last 2 or 3 months. I already have a Barclaycard, which gives me 2% cash back off petrol spend and I use that in conjunction with my Nectar / Tesco Club cards so there wasn't enough incentive for me to use Shell as my petrol is paid by my work so getting a Shell card for cash discounts wouldn't do me any good anyway.
Lastly, this card also offers free purchase in transit protection meaning with any item you buy that's over £25, you're covered up to £1,000 if it gets lost in post but this does seem to have a lot of terms so most things won't be covered! My Egg Money card has similar for over £50 but includes items being lost within 3 months so much better in my book. Also, Egg Money has a price guarantee whereby they'll refund me the difference of an item I find cheaper within a certain amount of time if the purchase is more than £50. It only does this for items bought offline, which is a shame!
Customer service can be reached via their online secure messaging system or via telephone. I have contacted them via both means and have always received satisfactory responses. One time, I paid off my balance and then forgot that I had already done so and made the same payment to pay off the full balance again. That's £700 so didn't really want it as a credit balance on my card when I need to use it elsewhere so I duly phoned them. Egg did a BACS payment back to my bank account, which showed up a few days later so all was good again. Other times, I used the online secure messaging system, which is sort of like an internal email system for contacting Egg. I usually receive responses in 2-3 working days. Overall, I find customer service pretty good.
Recently, I've decided to close the card as I wasn't using the card and got myself a Egg World Money Mastercard instead as that offers 1% Cash back. Contacted Egg via their messaging system on Friday 2nd October in the morning, got a response on Tuesday 6th and finally received a confirmation of account closure on Friday 9th. I've found that they actually reply on Sundays as I've asked a question with regards to my Egg Money card and got a reply on a Sunday.
- Cash back benefits
- Occasional interest free balance transfer offers
- Good customer service
- Easy to manage account online
- Other Egg credit cards have some better/more benefits
- Other cards offer longer balance transfer periods and with lower fees
- Cash back offers a bit limited
Do I recommend the Egg Credit Card? Yes and No. If you can make do with a short balance transfer and would likely make use of the cash back offers, then yes, otherwise, there are better balance transfer deals out there (i.e. Virgin Money with 16 months 0% BT, which money article sites just won't shut up about). Also, the Egg World Money card may just be better for those whom don't need/want the balance transfer or purchases promotional periods and those unlikely to use the discounts with the named retailers, and of course, those who want the the cash back.
Thanks for reading!
The Egg Credit Card comes in a bright green colour and like other Egg products the account is managed online.The application process is fairly straight forward and can be completed online with a possible instant decision.
The Egg Card typically has one of the longer introductory 0% balance transfer offers at 13 months for a 3% fee. This compares favourably to the more standard 12 months 0% balance transfer deals. Unlike the Egg Money Card, the Egg Credit Card does not give any cash back.The typical apr is a fairly average 16.9% and it also comes with a quite normal 0% on purchases for 3 months (if using the card for 13 months 0% credit then it is not advisable to also use the card for purchases).
So far the Egg Card is a fairly normal credit card but what sets it apart from most other cards on the market is that it allows you to balance transfer into your bank account for the standard 3% fee, rather than simply transfering the balance to another card. Other credit cards that allow this are Virgin and MBNA. This can be a useful feature for anyone looking for a short term loan as is effectively a 13 month loan at an apr of 3% which is a better apr.
than any actual loans on the market.
The most annoying thing I have found being an Egg customer is navigating through their automated phone system before getting an operator when calling them. Overall this card is one of the more competitive ones on out there.
I originally applied for my Egg card online and i manage my whole account online too which is one of the things that attracted me to to Egg in the first place.
The online application was simple and i completed it quite quickly. Then i received an email to say i had been declined which i was quite surprised about as i have a good credit rating. So i called the customer service centre about my application and they were very helpful and explained that i hadn't fit within their normal scoring but my application was passed on and after a few more checks they agreed to give me a card.
This was quite some time ago when they had a 0% balance transfer offer and what was also a bonus was that after the first year they then gave you the option to tale advantage of the offer again for another year.
The card is a bright green card with 'egg' in darker green across the middle. I also have an Egg savings account too and have all my dealings with their customer service centre to be very efficient and professional.
Welcome to Browns Britan, Bank of England rate 0.5%, Eggs rate 26.9%, Egg card is a rip off (rotten egg), they have hiked up my interest rate by over 10% in the last few months, its now at 26.9%, also my montly payments keep going up even though I make payments each month and dont spend on the card so the balance is actually going down yet still the payments go up, how does that work?Bank of England rate 0.5%, Eggs rate 26.9%, as I say welcome to Browns Britain, they do it cos no ones going to stop them least of all this wet goverment.
I signed up to this card about 4 years ago, young and naive thought it was brill my first credit card 0% balance trf and purchases. Each time i purchased someting i had the intention to pay back in full always paid back just the minimum!! After about a year they had increased my limit from £750 to a whopping £3500 and the ARP rate to 29.9%!! I was a student at the time and didnt have the resources to pay back that kind of money. I sent several letters asking them to lower my limit as i didnt want to have that kind of access to such a large amount of money. I dont think it is morally correct to give youngsters that kind credit limit knowing full well if they maxed out the credit card they would never be able to pay it in full, I know the consumer should take responsibilty but if the limit isnt set so high for so many youngsters the economy wouldnt be in the state it is at present So many people are allowed to borrow beyond there means!!
I have tried cancelling this credit card several time by email, post, phone and online but they will not close my account, several other people i know have had the same trouble closing there accounts.
I've been using a Egg Money credit card for around 6 years now. I do always pay the bill at the end of the month though so I've never suffered any interest charges or penalties. I use the card to my advantage, by spending on it throughout the year and paying the bills on time I actually made £87 in cashback. I have also found over the years that when I was making an expensive purchase Egg were on the phone before the transaction took place to ensure that my card hadn't been stolen! I thought this was a great service and I feel secure using my Egg card, I know they will be checking the transactions for me. I have never had a fraudulent transaction thanks to their vigilance. If you've got an Egg card and you pay your bill every month, hold on to it if only for the cashback, and apparently they aren't giving out credit cards anymore. I find that Egg are a good service provider but seemingly only if you keep on the right side of them from reading some of the reviews here. The internet site site is also very easy to use for transferring funds and paying bills etc.
As is the case with many customers, I signed up to egg about 3 years ago, as a way of transferring an existing credit card balance and taking advantage of their 0% interest offer. This was fine while it lasted and the card and balance transfer was easy and painless to set up via their website.
However, since the 0% period ended, egg have incremented the APR rate of my card on a number of occasions (and very subtlety informed me of this on each occasion). It is now at an incredible 26.9%! The reasons they give for these interest rate hikes are usually the classic '...we assess customer's needs and risk on an individual basis' type lines. However, I have a good credit rating, have never missed any card payments in the past and have a reliable income and owe about £2000 on the card, usually paying off only the minimum monthly payment. It is also worth noting that this is far greater than the maximum rate they would offer a new customer.
After further research it appears that I am not the only ongoing customer who is being charged this APR rate - it seems like their standard way of rewarding for customer loyalty.
So to conclude, this is a company which may have appealing opening offers and interest rates for new customers, but will be very likely to reward your custom with an incredibly poor interest rate further down the line. Also remember that it is no longer as easy to jump between 0% interest rate cards, as the lending terms are becoming more strict...which could lead to you becoming locked into a lender such as egg.
Be very, very wary!
I took out an egg card for th 0% balance transfer. I wanted to transfer about £2000 from one of my other cards where the 0% was coming to a close. Egg gave me a limit of £750 (wooh) and in the year that i have had the card, despite making all my payments on time and paying more than the minimum, they will not raise my credit limit. So I used the limit I had to make a balance transfer of a store card for £300. Well, this was June last year, and I'm still sorting out the mess in January 2009. Basically, when I phoned to do the balance transfer, the woman who I spoke to said she didnt need the card number, just the company who the store card was with and my name. I asked her, several times, was she sure she didnt need the card number. she said she was sure. Well - you guessed it, the store card never received the money. Yet Egg had added the £300 on to my balance. I got threatening letters from the store card saying if I didnt pay they would take me to court, I had to repeatedly give them all the detals of the transfer, date, amount etc, and they still couldnt find it. I made so many phonecalls to egg and the store card, my phone bill was huge. In the end I had to egg to get a bank trace done to prove that the money had been sent. Once the store card had this they agreed to credit my account with the £300, but said they still couldnt actuallty find the money. God knows what happened to it! I am in the process of trying to get some compensation out of Egg for their mistake, but when you have to wait three or four days for a reply to your secure messages, its slow going.
Stay away from them if you will be transferring balances!!!
WHY I CHOSE THE EGG CARD.
Well six years ago we were going on a six week trip to the USA and I hate to take cash or travellers cheques so I wanted a credit card that I would be able to use while I was out of the country and I would not be charged excessive amount for using it while abroad.
While looking a different offers available at the time, the Egg banking seemed to be our only viable option as it allowed us to do this at no additional cost and you actually got the bank rate for that day on the US dollar, which was great as the US were in recession at the time so the exchange rate was fluctuating on a daily basis.
So our sole purpose was to get a card we could use on holiday, but six years on I am still banking with Egg as these seem to work very well of us and they are very good where interest is concerned.
APPLYING FOR THE CARD
This was rather daunting for me as everything was done online at www.egg.com which was very unusual as I was used to filling out paper work that came through the post and it would take weeks for you to get approval and then your cards, so Egg worked really well as you got a decision with minutes of completing the paper work online, then my card and pin numbers followed within three days of completing the relevant paperwork online.
When you visit the egg web site you just click on the apply online tab and fill out the application form, which consists of current names, addresses, bank accounts, credit cards and job status. This can be the long winded part and will take roughly ten minutes to complete but you can get your approval within minutes of finishing it.
After I was approved online my new card was sent to me within two working days and then closely followed by my pin number, which arrived a few days later.
VALIDATING THE CARD
This was simple once I had my card and pin, I could login to my accounts at the www.egg.com website. This account was created while you were applying for the card and you gain access by using the password and login name, you selected for your self. All of the passwords and pin numbers given to you by Egg can be changed at anytime once you have logged in to you egg account.
After you have logged in you can validate your card for the first time or if you prefer you can telephone Egg directly to validate it, but it is not a free phone number so you will be charged for this.
After you have validated the card you are free to use it whenever and where ever you want.
EGG CARD BENEFITS
As with most credit cards egg offer you the typical 16.9APR which is variable, but over the six years this has not really changed for me.
Currently egg are offering 0% interest for a year and 0% interest on all purchases for a year, this came in really handy for us as we had a year to pay off the balance before being charged any interest.
I will never draw out cash from a machine with the Egg card as you instantly get charge 2.00 just to withdraw and then you are paying interest straight away on any cash withdrawals, so this is no good if you want cash as you are paying very highly for it.
Currently egg are offering 5 months interest free on balance transfers, but when I got my card it was a year so it was great for resolving any existing debts and it was so simple to transfer money from the card to any of my existing cards of accounts, via the egg web site.
When you sign up for the card you have to give them your bank details so they can collect the minimum payments every month via direct debit. This is a condition of having the egg card so if you don't want to set up a direct debit it is unlikely you will get approval for the credit card.
Payments are usually taken on the 16th of every month, so paying is simple providing your bank has sufficient funds to pay it.
To set up your payment amount you need to login to you egg account, payments are always set to take the minimum payments from your bank but if you wish to pay more of one off payments you can do this from your online account.
Considering I only wanted the card for my holiday and I have now been with egg for six years must say something for the company, I feel confident with egg in every way possible and now have all sorts of accounts with egg.
At first I hated the fact that everything was done online, as I didn't get any paperwork of statements sent through the post, but as I got used to going online I found it to be much better as any information I need it there at the click of a button and I no longer have to store the statements at home so I have more space for other junk.
I feel that the egg card would be good for anyone who wishes to pay off existing credits cards that are crippling people with the high interest, I had a Barclay card and my monthly payments were only just covering the interest so with the egg being interest free has helped now my payments are clearing the actual debt and not just the interest.
If ever I have had a problem with payment Egg have been very good and allowed me extra time to pay, without me occurring charges I have found them to be very accommodation and there customer service is excellent compared to others that I have had dealings with in the past.
I would recommend egg to everyone as I am very confident with them, not only do they make banking extremely easy but they are there to help if ever I run into financial difficulties.
I have had an Egg credit card for about 6 years and have found them to be useful and helpful. BUT recently their performance has dropped an astronomical amount. They dropped TWO big clangers on my account and instead of apologising and rectifying the problems their response was basically....Tough.
Firstly I changed by DD online in December (I usually pay the full balance outstanding) however, unbeknown to me, the online request didn't actually go through. Result? they took £2k out of my bank account. I spoke to them as soon as I found out and their reply was that "the computers are down at the moment, please call back at 10am". I called back at 10am only to be told "the computers are down at the moment, call back at 12noon".
I explained the situation and the Egg advisor stated that the easiest way to resolve the problem was to ask my bank to pull back the DD (as per the DD guarantee). Which I did and Lloyds were wonderfully helpful.
Next minute Egg are charging £16 for an unhonoured DD - despite the fact that I made a payment on my switch card on the same day to cover a minimum payment. Their response? tough.....under the Ts&Cs of your card we are entitled to charge on unpaid DD. Despite my protestations to their advice to call back the DD their stance was still - tough!
BTW Lloyds agreed to waiver the charges on my Bank Account for going over my overdraft thanks to Egg.
I have an Egg card, and an Egg loan - I have written a previous review about my Egg Loan in which I state that it is great when it works and pants when it doesn't. Now it is the turn of the Egg card experience to get the dooyoo treatement.....
Egg were part of Prudential before being floated off as a seperate business a few years ago. In more recent times, they have been acquired by the American bank Citibank.
I have had my Egg card for about 10 years, as has my Husband, after taking it out with the 0% offer. It was great - every year, on the anniversary of me taking the card out, I was given another interest free period for balance transfers, so could move money from other cards to reduce my monthly payments - at this time I was not able to repay my card balance in full each month, but could make more than the minimum payments, so to get 0% was very useful.
The APR at that time (when not on 0%) was 14.9% which was competitive when compared with other cards.
About 7 or 8 years went by with little in the way of problems - the account is operated online, with payments made by direct debit - it is easy to make additional payments, and you can see your balance online at any time, so easy to keep track on where you are in relation to your limit.
Then about two years ago, our nice friendly Egg card accounts decided to turn into moody teenagers, and even got quite nasty.
Now, we have never hidden away from the fact that we had a high level of non-mortgage debt (caused by a house that fell down, but that is a tale for another review...) but with sheer hard work and determination, we have attacked that debt, bringing it down at a great rate of knots over recent years. We have never missed a payment, or been over our limit on our Egg cards, and have paid extra where we possibly can.....we have never received a default or a CCJ, for example, and considered ourselves to be reasonably good customers......not causing any problems, yet still providing Egg with an income, because we were not paying our balance in full........
So, to receive letters a couple of years ago saying that the interest rate was being increased from 14.9% to 26.9% was a bit of a shock. We raised the query with Egg to ask why this had happened and the reply was "It's a business decision". They said that they had look at the way we had managed our account and based the increase on that. As I say, we have not presented ourselves to be a risk to Egg in any way, so we can only assume that they know we couldn't pay our balance in full each month, but knew we never missed payments so they were confident in knowing that they could increase their income stream from us. When we complained formally, we were told "we can do what we like" by a very nasty person at the end of the phone. There was no justification for this rise that they could give us, and the tone of all communication from them, whether by phone, secure message online, or by post was less than pleasant, and very upsetting for us when all we were trying to do was to clear our debt and keep our heads above water.
Anyway, the end result was that we continued paying their increased rates, and worked harder to get the balance cleared even quicker.
Then last year, Egg - having been taken over by Citibank - decided to write to many of their customers saying that they were closing their accounts......there seemed to be no method in their selection process, with people who were considered "efficient" customers targeted most. I was not "picked out of the hat at random" (the method I think Egg adopted here) but my husband was, and his account was stopped. Again, when we asked why, we were given no criteria (I couldn't understand why his had been picked and mine had not) and were told it was a "business decision".
Needless to say, we targetted our Egg card balances more than ever and cleared both accounts as a matter of protest.
I now have mine with a small limit that I use for grocery shopping and petrol, and I clear it in full every month - Egg are never getting another penny from me.
However, recently, out of the blue, I went to use my card and it was rejected. Now, I keep very tight tabs on my finances, and check balances daily, so I KNEW what was available on my card, so was hugely embarrassed and perplexed when this happened. I called Egg and asked why and they were very quick to admit they had made an error at their end, and to reinstate it, and I have had no problems since.
On the positive side - they are currently doing 2% cashback instantly if you fill up your car with petrol at a Shell Garage.....a small gesture but every little helps.
Between us, my husband and I have had many credit card providers over the years, and I can say that Egg are better than some and worse than others.
My biggest gripe with them is their lack of justification for their actions - "we can do what we like" is not really what you want to hear, and smacks of bullying to me. How can they expect their customers to "work with them" if they cannot be civil when you raise a very valid request?
I know many people will read this and say that you shouldn't have a credit card if you cannot afford to pay it in full, and that we have to take the consequences of higher rates etc, but life is not always as easy as that, despite best efforts, and when you feel as though you are working your butt off, and then being told it is still not good enough, it is a real drain on your emotional resources.
As I say, Egg no longer get a penny from us on our cards and that is the way it will stay - if they ever introduce a charge for having the account, I will close it immediately, but until then, I will carry on paying it in full as it suits me.
So, another "good when it works, pants when it doesn't" review, which I suspect is the same for many financial products.
Well I didn't even realise the interest rate had been hiked up so thanks for that info! I thought they had to tell you?? I'll be paying my card off next month anyway so good riddance to them I say. I too didn't think I'd ever be writing a review about a credit card, but they are completely irresponsible lenders and I have recently had a very bad experience with them after being a loyal customer for years. They are sneaky and have become even more so presumably due to the current economic climate. I will certainly be complaining to the FSO if I get any grief off them when I come to close my account! STAY CLEAR!!! The term 'bad EGG' must come from somewhere....