I have accumulated a debt of around £10k on MBNA credit card. The payments were comfortable as I had the debt on low/promotional interest rate deal. However, I was late making a payment and they have removed the promotional rate meaning the rate will be considerably higher. I have logged a complaint but they haven’t reinstated the promotional rate. Is there anything I can say for them to change their stance? Anyone offer advice on what FOS might decide? I fear I will have difficulty servicing the debt at the higher rate.