I made a payment to my Pulse Card and although it left my bank account it was never credited to my Pulse account. I reported this to Newday and my bank the same day. In less than 10 days my bank had ascertained that the money reached Newday and the problem laid with them. Despite my complaints it is now 6 weeks since my initial reporting and I have not heard a thing from Newday, apart from an initial request for information which I immediately provided. Newday say they strive to provide excellent customer service! I have seen little or no evidence of this. I am not all impressed. Would definitely not recommend.