Avoid. I had a credit card with them for 10+ years; everything was fine until the last 3 years when the following happened... Credit card was constantly blocked but they couldn't explain why when I called. My credit limit was cut by thousands of pounds, this time they refused to explain why. My account was then blocked online (I couldn't log in to see my balance). I called to ask why, they said it was because I 'had been in arrears, but I wasn't any more'. As you've probably guessed by now, I had not been in arrears. I finally asked them to close my account. Sadly this is no longer a useful company, and getting involved will them will waste your time and cause you stress.