I think is silly season, my card was stopped, after someone did a credit card transfer to my card, to the tune of £3,500 and the icing on the cake, they charge an extra £100 to do it!
Like you, first thing I knew about it was when the card would not work!
Funny when u miss a payment, they ring you straight away. Not one bloody call to tell me its been stopped.
At present still waiting to hear from them about it, after filling all the stupid forms.
hint - don't ring them after normal working hours unless its an emergency. Last few times I had to ring them was on the phone for 30min to india, i nearly gave up the will to live after that. BUnch of ..........