The good old Postbank seems to be doing its best to alienate as many of its customers as possible.

This week credit card holders have received a letter telling them about changes to the credit card system. Well, not all credit card holders have had the letter – only those considered to be ‘main card holder’. If you have a joint account and are the ‘secondary card holder’ – read wife – then you don’t get the letter at all.
The letter, from S Meijer the grandly-named Manager Services Postbank creditcards, informs the main card holder that from November, ‘you will have a joint limit for both cards which is the same as the [current] limit for your card’.
Read it carefully. What S Meijer is actually saying is that the limit on the secondary card is disappearing and your credit limit has been effectively halved. Very crafty.
And you won’t get individual statements any more either. The main card holder will get a joint statement for both of you. How thoughtful. Pity that the surprise long weekend in Rome you were booking for you and the main card holder will no longer be a surprise, but there you go.
One little detail the Postbank letter fails to address is what these customer-unfriendly changes means for the annual fee you pay just to have a credit card in the first place.
Doubtless ING, which owns Postbank and was given a €10bn capital injection by the state last week, knows what it is doing. And every little helps when you owe the government such a large sum of cash.