I set my monthly payment to go to Newday on 1st April this being the due date. This happened to be a bank holiday, so my payment didn't reach them until 2nd April. The idiots then blocked my credit card, and showed that I had insufficient funds remaining on my credit card. This was a complete nonsense as my credit limit was £10,000 and the balance on my card was around £3,500. They claimed that they do this when the payment doesn't reach them on the due date. In my experience card companies do not block ones card until the credit limit is exceeded, and there is a track record of missed payments. In my case i have always paid promptly, and never exceeded my credit limit. I cannot understand how John Lewis cames to go into partnership with this lot. They are incompetent.