Absolutely useless these days !!!!!!! Agent Wait times over 60 minutes, tried to make a payment that was rejected but fraud dept called the following day to confirm it was legitimate and the caller said it would be OK to to resubmit and it would go through. Just tried 24 hrs later to give the agent and their computer time and again rejected. Plus since they introduced 2 stage security for online payment I have been unable to make any despite changing my Passcode (just in case) and entering the One time passcode sent correctly. WHAT A DISASTER for what was a good free card for Marriott points and FREEish foreign transactions ............... but the latter is now changing to add a big fee. NO WONDER BNP MADE SUCH A BIG LOSS last year !!