I am enquiring on behalf of my father, who is 55, not well educated, and has never had a credit card in his life. Somehow, the Abbey/Santander have issued him with one - they must have bamboozled him with info one day he was in the local branch and got him to sign on the dotted line. He cannot recall doing so and does not understand how a credit card operates. When it arrived in the post, he thought it was a new debit card for his bank account and proceeded to spend on it in shops and withdraw cash from it. He has now been charged missed... read full review »