I can agree with all the poor reviews about NewDay and JL’s decision to move away from HSBC to this shoddy company. Like so many others my application was refused and I have not been able to to find out why. I have had a JL card since it’s inception. Every month my account is settled by DD. I am a Company Director with no mortgage and no other debt. My credit score is excellent on Experian. I visited JL Oxford Street last week to relay my experience to them. This prompted a phone call to ND and today I received an email from them (ND) apologising. The picture below shows a portion of the reply. I applied for an Amex card the other day which was approved. My card arrived after four days with a £10k limit. Thank you Amex! This is now my card of choice. Goodbye and good riddance to NewDay.