I have had my Egg Student Card now for two years and was a bit worried about having it taken of me as I don't always pay my balance of in one go. But so far no letter so I think I am safe. I would be gutted though if I lost it as it has gotten me out of so much trouble and I have even had to use the cash advance feature on the card. (BTW I don't recommend that as it is very expensive). I also like the anniversary offer which gives you an extra 3 months 0% spending but you only get benefit on this if you have no balance at the time of your anniversary. I would advise all students to open an Egg credit Card in the November and you get free spending over Christmas every year and pay the money back with your student loan in January all without incurring interest. A big thumbs up for Egg.