...anyway, MOD evans...I also take it...that there will be 'no problems' at the HSBC when I go in tomorrow morning (or 'whenever' because I have 3 weeks left, before my old card expires) in order to ask for a new one to be sent out....hmmm....perhaps it would be better to pick it up at the bank - if they offer that service...given what has just happened...what do you think, evans?....because if there are any problems, 'heads will roll' as they say....go figure.