I wouldn’t touch this company with a barge pole as in my opinion they are a bunch of crooks! I made a payment to my Pulse card which went missing and they did nothing to trace it despite three months of complaints. I eventually referred it to the Financial Ombudsman and within two weeks my Pulse card was credited with £250 so thought all had been resolved. However I have just discovered that all that had happened was my Pulse account had been credited with £250 taken from my John Lewis card account which just happened to be in credit by the same amount without my knowledge! To say I am furious is an understatement and so it is back to the Ombudsman! I don’t have any intention of using either of my Newday cards again. I would give no stars at all if it was possible!