The NewDay/JL relationship is an unmitigated disaster for both parties. 1. JL (and thus Waitrose) will experience a massive drop in customers who feel badly mislead by the change of credit card provider. 2. In my case I intend to cease shopping at JL (and their chronically overpriced supermarket Waitrose; read the Which? reports), because one can see that the whole organisation is now beginning to fall apart. In Horsham, Aldi is developing a new store right next to JL/Waitrose. This may mark the end of that JL/Waitrose store 2. NewDay have mistreated JL customers on an appalling level and will have to explain themselves to the Financial Conduct Authority who will hopefully withdraw their licence. 3. JL are guilty of a serious management mistake in choosing NewDay as their credit card provider. What kind of research could they possibly have undertaken before making this disastrous decision? Heads must roll. Vote with your feet !!