Applied for a credit card. Received emails for about a week telling me that it was being processed. By this point, I had decided that I wanted to cancel my application as I'd taken out a loan instead. Phoned them, waited half an hour on hold to talk to someone. Told them I wanted to cancel my application and was immediately put back on hold for an hour and fifteen minutes. It seems to me that they deliberately make it very difficult for anyone to cancel their application, hoping that they will get fed up and hang up. In the same time that I've waited to hear back from Sainsbury's, I've managed to apply for a credit card with someone else, received it, taken out a loan, cancelled the other credit card and received the funds in my account. However, Sainsbury's are still 'carrying out further checks' on an application that I don't want and can't seem to cancel.