Royal Bank of Scotland (sorry, RBS...)
My VISA card expires on 30 Jun 2008. Having phoned you today (18 June) you tell me that the replacement card was posted yesterday on a service that takes 5 working days. If my existing card expires in a week, why are you sending me my card (1) a week before it expires (2) on a service that takes a week?
This offers no margin for error, and considering how much money we pay you in interest and service charges it's insulting to know you're using the cheapest delivery service you can get away with. (And you refuse to send it anywhere other than my home, requiring my taking a day off work when you have to re-deliver it)
My company VISA card expires on 30 June 2008. You have sent me a replacement card with a start date of 1 July 2008. My Inbox is full of emails from companies saying my VISA card is due to expire can I update the details? Am I expected to wait up until midnight on 30 June to update all of these details online, because I can't replace them now in case a payment is made between now and 30 June and is rejected? Would it not have been easier to have a one month overlap?
I often wonder why companies don't employ people to just use their products and services until they break, then feed back to pre-empt problems, instead of waiting for enough people complaining about a problem before they're motivated enough to provide a service that actually works.