I read the same thing the other day (I have an Egg card).
To be honest if you get yourself into a situation where you can't pay your debts then you have IMO no reason to complain how Egg decide to deal with the issue. You use the word detriment to borrowers as if they should in some way be entitled to pay back when they fancy, what about detriment to the banks?
They have given you their money to purchase something you would otherwise be unable to. We all pay in the long run for bad debtors.