I do not understand why they are still allowed to operate as a financial firm where the service provided is awful and disgusting. I've never missed any payment ever for the past 10 years, wanted to close the credit card and paid the full balance and I was assured that the card was closed and they've removed the access to the mobile app. To my surprise I've recently discovered that I'm in arrears of £10 which I wasn't made aware of (and they've removed the access to the app so didn't even receive a message or notification). I wanted to raise a complaint but the person on the phone did not want to and ended it up going to the financial ombudsman. Because of them my credit score has now been affected greatly. I highly recommend you to stay away from them, they are the worst credit provider that I ever came across in my life .