Try not to use Creation as years ago got refused credit for £300, and never had this happen before. Can't get better score than mine, never missed payment and already had settee with them so can see I'm a good payer. Rang them as never been refused before and they couldn't tell me why. I can only assume its because just took out new mortgage and applied for other credit same month. So out of principle would never use them again. Up until recently whe purchasing game console for my son for Xmas though I'd try them again. 12 months BNPL, and same as all the other comments can't log into my account, technical issues, freezing, using currys link, Web also the app. This company is beyond a joke, unprofessional worst system ,how are they in business. Its like its set uo because they want you to miss a payment,,or get charged all their ridiculous interest. After this I swear I will never ever ever use these people again, at any cost for any product, and will.be tempted never to shop at Currys just as they are associated with them. Want to give Minus stars. Hope theh get liquidated..