Don’t use, they hold your payments for your credit card for 9 days then uou can call fir an investigation which takes 7-10 days and you only get 14 days to pay, they are doing it on purpose so they can charge you interest and fees on the account as you clearly cant use the credit card if payments dont go through meaning you gave to use the money you need to pay the card with, its fast payments now and FCA and my bank say the acc should show money on your bal immediately, the processing has nothing to do with the balance. Its caused me a breakdown, stress & anxiety, complaining to FCA. Credit card not fit for purpose, creation steals your money its fraud!