After Christmas I paid off my credit card with Nationwide. It had a few hundred pounds on it and I hadn't actually spent on it for over twelve months. So since New Year its had a nil balance and the lovely people at Nationwide have noticed this. I received a letter from them this morning telling me they were giving me a gift of £20. How wonderful I thought until I read the rest of the letter. In order to keep the gift I have to spend at least £1000 on my credit card during the months of May & June. If I don't , then they reclaim the gift in July. Well I won't be doing that, the letter has been shredded and is now in the recycling bin. I wonder how long it will be before they send me another mailshot trying to entice me to spend money. I'm sorry Nationwide, the computer says no !