I got an Amazon New Day card a few years ago and used it from time to time, I had a few installment plans on the card with a responable interest rate. A couple of months ago, I was informed that one of my installment plans was cancelled for "breach of contract", I quickly checked my account and all my payments had gone through (I pay way over the min required each month) so was kinda confused. So I Called the guys up about this and the support team said "Oh, ye, our bad" and re-enstated the installment plan, I asked what it was I had done but they said it was an error on their side. I heard others report this issue so decided to settle in full, then 2 months later on a £0 balance I get charged 0.15P interest? Tried to call but got nowhere as they are unsure why this happened but after reading other reviews this seems like a common tactic employed by the company, it seems like they do this to damage the credit rating for people who try and close the account a month after clearing the balance in full.... guess I was lucky I waited a couple of months to see if they tried to pull this scam and it appears they did. I paid the 15p and closed the account... utter cowboys, avoid this if you value your credit score.