This company is a complete joke. They offered me a credit limit I actually didnt really need but thought it may contribute to building my credit history. Then when I finally decided to but something, after couple of weeks as I was reminded about it by them when I made a purchase and got confirmation, I decided to set up a Direct Debit to pay in full so I checked my account as well and it appeared the transaction was cancelled! I saw my credit limit is ZERO and got information that I attempted to but OVER credit limit. The purchase was for funny 9 pounds while the limit credit was £150. I contacted them and one of their agent told me it will not affect my credit score. Then I checked my credit score and it went down for almost 100 points. I contacted them again only to get information that I was DECLINED and it will be visible on my credit score or rather the fact the credit limit is closed! It will affect my credit score for 10 years now. UNBELIEVABLE! stay away from them I am going to take legal action against them if they do nothing regarding it as I was planning a mortgage i 1-2 years.