These are a dreadful company that prey on the poor. Their practices are unscrupulous and they do not carry out credit checks prior to issuing credit accounts. After multiple credit increases that I never used, I found myself needing a new appliance costing around £300. As soon as I took advantage of the credit increase they increased my rate of interest to an exorbitant amount claiming that there had been an increase in risk. If a customer is considered a risk, why repeatedly increase credit limits? So they can get as much money out of you as possible as they can increase your rate of interest with every increase in your balance and claim that an 'increase of risk' forces them to put your account from 30 odd percent to almost 60 %! They are nothing but glorified thieves who engage in practices that see you paying way more than you can realistically afford when they up your interest rate to ridiculous levels. And don't expect to be treated appropriately when you make complaints - staff haven't a clue what they are doing and when you threaten legal action and insist they provide all of your details under GDPR, they ignore you because they know they are acting illegally and don't want you to have the evidence that proves it. Stay well away from this company. It is better to go without than have to deal with a law breaking company that preys on and exploits the poor!