One star is generous. NEWDAY have taken over the John Lewis Partnership Card which I have had for many years. They have decided to not issue me one despite high income and near perfect credit score. When I queried I received a simplistic response cut and pasted from a template, and poorly written. I also spoke to John Lewis who were very civilised and apologised for the new card provider. I replaced the card with one from a major bank who were happy to provide and had wiser credit criteria. NEWDAY were a bad experience and I certainly would not touch their products.