Like many previous reviewers our experience with NewDay as JLP card operator has been dreadful. Having held a store card for over 50 years, subsequently the JLP HSBC card and now the JLP NewDay version, we have always settled my wife's card account in full by the due date. Last Saturday we went to John Lewis to purchase an appliance but the charge to the JLP account was declined. Having checked the account it was clear there was ample balance we requested the salesperson to try again - declined again. We went for coffee to call the number on the card, well NewDay certainly know how to erect barricades to customer contact - all robotic with no apparent way to speak to a human being. Some 20 minutes after the payment was declined my wife received a text asking to confirm she was making such transaction. Other banks have much more swift mechanisms to check. Eventually, the transaction was tried again but in order to do so the salesperson had to restart the purchase process again. This third attempt went through. Various attempt to increase the credit limit online had been refused. So, in a call the following day to complain about the previous days events, we asked about increasing the credit limit (outlining in general terms net worth). We were advise to call on Monday when the "Appeals Team" would be available. Well Monday's performance, Frans Kafka would be proud: "You can't speak to Appeals because you are not eligible to appeal". Oh, why aren't we eligible to appeal. "I am not allowed to tell you why you are not eligible to appeal". All one can conclude is that NewDay are a bunch of fly-by-nights that Dame Sharon White should never have placed the JLP brand in their hands; having said that she has not made many good decisions in post.