Credit card - absolutely useless customer services, 3 or 4 times whilst working away, have had payment blocked during weekend, closed on Sundays, - Monday mornings waiting up to 58 mins to speak to someone to get unblocked to use for food and hotels ?? - most disinterested people I have ever dealt with answer the phone. As IHG hotels have left Creation leaving just an ordinary, no rewards credit card, just paid off full amount, as usual - had to wait almost half an hour to tell them I wanted to leave - gone back to First Direct, made 3 customer service calls, waited maximum 4 mins, someone answered almost immediately and apologised for the fact you may have to wait up to 5 minutes