I was with MBNA and was recently moved to Avantcard when they took over. I find their customer service appalling and am looking for advice on who to switch to.
My priority is customer service, it must have an excellent customer service.
Rates are not a consideration, I'll happily accept high rates for a good service. I always settle my bill on time and never spend more than I have anyway.
I'm also looking for extra perks, such as travel insurance when booking your holiday using the card (as was the case with MBNA, and dropped by Avantcard) or 24/7 support.