I agree with everyone else

Very over cautious, putting a freeze on your account for nearly everything, especially if you try to use it abroad or buy online - Im sure its just a way of making money out of you having to phone long distance and keeping you on hold, or never phoning you back, so you have to keep phoning them. A credit card is no use if you cant use it abroad on holiday and despite M&S being told your circumstances, they still seem to refuse any transaction abroad, then you are without a card/money. I appreciate them putting a hold on my account if unusual amounts of money start leaving my account and I would appreciate them phoning me to tell me their concern, but they dont and when this is not the case and they put a freeze on your account (leaving you without a card for days or weeks) for using your card for online purchases, its no laughing joke to keep spending ridiculous amounts of money phoning them up. Ive been with M&S since the beginning and at first I had no problem with them, but in the past 4 years, Ive had nothing but problems everytime I try and use my card. Im now looking to cancel this account and simply use my bank's visa facility.