I can't give 0 so I have to give 1. Very bad customer service related to complaints.I never slected my credit card for paying back my cashbook and I believe it has taken by default while selecting the retailers. When I phoned them explaining everything they were like damn care about it and didn't even pay back my earned cashback saying it's not santander error.I believe Santander don't care about keeping customer happy and satisfied with there service. With one bank I reported theft of card and they were so sorry for it ,as a sorry and valued customer paid me £20.00 for nothing. I was very surprise to see the difference in service with other bank.