I was pleasantly surprised when I went to pay my most recent credit card bill. Not only was it relatively small for a change, but the BarclayCard website has been revamped, with that most unusual of results: a markedly better user experience!

They now show a coloured bar meter indicating your total credit limit (the whole length of the bar) with your last statement and current total outstanding clearly marked as coloured portions of it. It's a really great way to graphically show the balance. They've clearly paid attention to every aspect of user interaction, with the flow being very straightforward and very clearly guided at all times, but not onerous.

Perhaps the very best change is the return of the option to pay off your last statement in full. For the last year or so they had things set up so the options when paying were: minimum amount, whole balance (including new transactions since last statement) or custom amount. To pay off your last statement in full you had to manually read off the amount and type it into the custom field. This was very cheeky of them, clearly trying to steer the punters into taking less advantage of the free credit grace period (by paying more than their last statement amount) or paying less than their last statement amount and so accruing expensive interest. I'm glad to see this cynical move has been reversed.