I wouldn't even give NEWDAY 1 star, but there is no option for no stars!! I have an ongoing issue from August whereby I signed up for a balance transfer from my old JL card to this NEWDAY card! BIG MISTAKE! After NEWDAY transferred back my balance transfer to my old JL card enabling me to use a credit card company with good reviews, NEWDAY are still chasing me for payments on a non existing balance transfer !!! It has gone to their complaints department, whereby I have just had another text message from them apologising that they still have not looked into my complaint!! That's 3 months from August! I am seriously looking into contacting 'Watchdog'! How could John Lewis have agreed to use this 10th rate company....I am beyond angry and it's starting to make me feel ill! ....