I've had a John Lewis credit card (operated by HSBC) for about ten years, always paying off the full balance every month by direct debit. Last summer, as we were doing major alterations to the house, they increased my credit limit from £3k to £10k without question. I continued to pay off the full balance every month as before. John Lewis are now ending their relationship with HSBC and offering a new card on the same terms with Newday. I applied online today, and my application was declined without reason. John Lewis' helpline didn't really want to know, and just referred me back to Newday. After reading other reviews, I realise that I've had a narrow escape. The end of a long and happy relationship with JL. Shame.