Latest issue leaves me seriously contemplating cancelling my account. Have been using the Ruby card for a short time until one day it ceased to work for no apparent reason, I was left embarrassed and red faced. Customer services on this occasion was shocking, wanted unfair amounts of information from me whilst I was out socialising (or trying to). Messaging service is slow to respond. The representative was rude nd unhelpful which upset me even more. Even tried to assign blame on me! NOT happy!