MoneyExpert.com: Which? credit card customer service report

Sean Gardner of MoneyExpert.com said: "Assessing customer service is pretty pointless unless you weigh up its importance against things like price and value for money.

"I could be satisfied with the accuracy of my credit card statements but that doesn't solve much if my bank's credit card is not competitive.

"You simply cannot take customer service in isolation to judge financial products. For example, there are some 113 different credit cards with a more competitive balance transfer deal than the John Lewis Partnership card and 12 cards with a better deal than Nationwide's.

"And conversely while Abbey comes bottom for customer service its Zero credit card is proving very popular because of its lack of fees.

"That's why we allow our customers to weigh up customer service, features and price in the same calculation when they compare products - it's only with the complete picture that you will find the most appropriate product for you."