Speaking from personal experience I've been with Sainsbury's Bank Credit Card for six months and my recent experience with their customer service has left me frustrated. One thing to say is that they are not rude when you speak to them - always apologetic which makes all of their previous apologies redundant. What SB customer service is - is incompetent. I've been wanting to increase my credit limit from the start. So, at first I was told that I have to wait six months before I can do that. So, faithfully, I've been making my payments on time and in full. When the six months came up, I applied for an increase again and I receive an email declining the increase saying, "We review credit limit increases GIVEN that you have a clear history of payment." No other explanation provided. What?! So, since that email I've been calling and emailing and calling to SB customer service to send me a letter to confirm that I have a clear history of payments - nothing! No one even bothered to return my calls until I wrote them the letter informing them of my intention to refer to Financial Ombudsman Service. Got a phone call from SB customer service rep the next day!! After this phone call - which is exactly a month later - did I get a letter explaining to me what I need to do to increase the credit limit (not what I asked for) and in small print (two sentences) mentioning that I've been keeping my payments up to date. Frustrating, frustrating, frustrating! Besides, the rewards on the SB credit card are so small - it is not worth your time and your nerves. You are better off applying to American Express Nectar - at least there, you'll get better Nectar point rewards. I've switched to my bank's credit card and no issues there. Touch wood.