Atrocious company. Highly pursuaded by Amazon to get one of their credit cards which turned out to be Newday who I had never heard of. I used the card a few times to make purchases and paid off each month. I moved house and before I could contact them, unbeknown to me they sent me a new card with no notification. I didn't request one, there was no higher credit and there was still 18 months left on the original card. I contacted Newday when I tried to make a purchase through Amazon for my new home to find out why I couldn't use the card and it transpired they had sent me a new card. I was annoyed and cancelled my account. Several weeks later I retuned an item to Amazon for a refund. Amazon said "refunded to original payment card" I suddenly realised that it would be Newday, the account I'd closed and contacted Amazon. Amazon confirmed £112 had been sent to Newday but that if it couldn't be allocated they'd be in contact. No one contacted me and I spent hours of time on the phone between both companies, each blaming the other until eventually I suggested it might be something to do with the new card and found out that not only had a new card been issued but a new account too and that these "2" accounts were never linked! In addition, when I complained about when I would have gotten my £112 back it appears they only look into these refunds if the customer contacts them! Do they not have to balance their accounts? How many other refunds are they sitting on? I eventually got my refund weeks later but in the correspondence they sent state I had an unsecured loan at the time of £1100? and a payday loan of £440? I have had neither of these nor was or am, as they state on a letter, "in financial difficulty". I have complained to the Financial Ombudsman, however, I can see which way this will go as the business pays The Financial Ombudsman so will never be truly impartial and they don't seem to understand my complaint. This company should not be allowed to operate.