Barclaycard don't see customers as people to be helped, they're a number on a screen - a resource to be exploited. I got into persistent debt some years back but worked hard to improve my financial situation and as a result paid off two substantial loans and had just moved onto knocking large chunks off my Barclaycard balance. Except Barclaycard never bothered to contact me to ask about any of this, and instead sent me a letter informing me that my card would be suspended for persistent debt and offering me a 'paydown' service that has actually somehow costed me more in interest this month than ever before. Barclaycard don't care that I had other financial priorities - their customer services didn't want to know - and even the fact that I'd paid a massive chunk of my balance off the month before, as per my financial plan (which they also didn't care about), wasn't enough to convince them that I had everything under control. I've used Barclaycard for years and years, I've never missed a payment nor violated any of their terms and conditions, and now they pull this? I feel utterly shafted. Now, if you're looking for a GOOD credit card provider, look no further than MBNA - they're utterly fantastic, with low interest rates and top-notch customer services - they've always done right by me.