All was going so well. I pay my CC every month without fail, obviously this is no good to Sainsbury's so they change my paper statement to paperless! Apparently this was on my last statement and should have seen it and its all my fault i didn't go online and change it back to paper! I'm a fair person so i called sainsbury's, explained i thought it unfair that they can change the rules as and when they like to save a few pence on postage and make a few quid on interest. Long story short, they told me to go and do one! It's my fault and they had not broken any rules. A token gesture of some money back. The customer services dept in Scotland left a lot to be desired. I suggest you think very hard before committing to getting a Sainsbury's CC. I will be taking my business elsewhere. STAY WELL CLEAR!