I whole heartily agree with the previous reviewer. Their telephone banking service is a disgrace. The automated voice-activated service cannot understand clear English it keeps asking for the same information over and over again. You keep going round in circles then when you finally get to try and speak with an advisor there is a 2hour wait. Who in their right mind has got 2 hours to sit and wait. I have had a card for a number of years and clear the balance every month, all of a sudden it won't accept payment for my online shop which I have been having since lockdown. I have tried several times throughout the day but still, the delay is 2 hours I fail to understand where the CEO is and why he is not looking into the inadequate system. The least he could do is put the delay time at the start of the call instead of having to waste ten minutes going through the lengthy preamble before you hear the message of a 2-hour wait. It is a diabolical way to treat customers.