Dreadful. I ordered a product from a leading high street store and was offered an interest-free credit arrangement via Creation. I phoned Creation three times over five days to find out why I hadn't received confirmation of my order. The first two times I was fobbed off with false information first wrongly blaming the store then wrongly saying they now needed further information from me although they couldn't say what. The final time they admitted their computer system has a 'glitch' which means my application, although approved, had got stuck and they couldn't fix the problem so I'd have to cancel my order and start again. If I hadn't kept calling I presume they'd never have told me. Abysmal.