They are ruthless!
I have had an Asda storecard for a few years, made more than the minimum payment each month, never missed a payment, then suddenly out of the blue, they are demanding I pay the full amount or else!!! I wonder if this is because I haven't used the storecard for a year, now they are charging me 25% interest until it's all paid off. Also they are ringing me up from 8.15am weekdays and from 10.15am sundays constantly.