I am in a similar position, i have had a Mint card for in excess of 10 years, I have never missed a payment in that time. I was laid off some 6 weeks ago, knowing that i was going to struggle for the next month or so, I informed Mint of the situation and offered a small payment on account until such time as I was working again. The asked me to send back a statement of income/expenditure which I did, the next thing I know in the same post, I received a letter saying that before my offer of payment is considered a default notice will be issued, followed by a letter of termination 21 days later and the default notice, withdrawing the credit facility and asking for the card to be cut up and returned. Then they give the usual guff about if you correct the default no further action will be taken. So much for customer loyalty, bearing in mind it is a single default in 10 years. With the default notice having been issued, is it worth me going for them and trying to have the debt wiped out, if so, how do I start off the process. Strangely, I also have an MBNA card, the consensus on here seems to be that they are rubbish, but they were as good as gold. Interest frozen immediately, acceptance of a nominal payment, no hassle nothing. SteveE14