Appalling phone system, appalling customer service. If they can't answer your question on LiveChat the agents ignore you and inactivate the session. Statements still unavailable online 2 days after statement production date, email notifications of statements late. John Lewis have made a huge mistake by selecting NewDay as their card service provider and it doesn't reflect well on either company. After 20 years with a John Lewis Credit Card and now applying with another card company so that I can ditch the NewDay/John Lewis card.