I had a credit card many years ago, and paid it off in full before the terms changed. This was about 5 or 6 years ago. This year, I received an email to say I owed £4 something. I checked the email and it was a legit email, and when I rang up, they told me the account was last paid into in 2021, and last used in March 2022.... I haven't got a credit card with them anymore, and haven't since BEFORE covid. The card was cut up once received (before COVID) and I had also received a letter to say my account would be closed from not being used. Fraudulently try to get you to pay extra charges, and when you ask for an itemised bill to see where this charge is, no surprises, they cannot find the bill to send to you. Disgusting service and extremely stressful. Avoid as much as you can!