My experience of (NatWest) Mastercad
The bastards decided to "upgrade" my card. To one with the same credit limit, interest rate and no extra facilities, except it had the word "platinum" on the card and, of course, a new number. Naturally this screwed up lots of subscriptions and stored card details for companies I deal with, giving me nearly a years worth of emails and letters telling me my old card had been declined.
And did they ask me if I wanted all this hassle for the word "platinum" on my card? Well, they *claim* they sent me a letter, asking me if I wanted to change. Since I didn't receive the letter, and therefore couldn't tell them not to change it, that apparently gave them permission.
They had, of course cancelled the old card before they sent out the unsolicited one, so they insisted that it couldn't be re-enabled.
So, please excuse me while I have a quiet chuckle at their latest cock-up. Safe in the knowledge that I'll never use another Mastercard (or NatWest) again.