They gave my husband a credit card. He used it to make a few small purchases, we went to use the card for some shopping online, it was declined. I called the supermarket to fond out why it had been declined, and was told it was the banks fault. Sainsburys called to say it was the supermarkets fault and it would be rectified in a few days. My husband called again, to be told they are quite busy and to give it another couple of days. He called again after a couple of days, only to be told it had been passed on to the fraud department, wait another 10 days and he will have the results in writing, plus do not call again. Now he has tried to get into his account online only to find the account has been closed!!! I know they have the right to refuse credit, but why give someone the card with a credit limit and when the person tries to use it, they cancel it?