We only came to NewDay as a result of John Lewis changing the provider of their eponymous credit card. Prior to the change late last year we had enjoyed several decades of convenient and stress-free credit card usage. And then it all went wrong. Our card(s) we suspended several times for 'suspected fraud' (nothing was ever found) and my wife and I (a joint account) regularly had trouble making payments, 'card declined', especially online. And then NewDay removed from my card the ability to verify online purchases via a one-time code: I was told I could only do so with their app. We made many complaints about the service - more in the last 9 months with this company than in the previous 35 years with the 'old' JL card provider. And complaints take 8 weeks to reach a conclusion/decision. I have now made alternative credit card arrangements. PLEASE think very carefully before using this provider: the level of customer service is unbelievably low.