Let me clarify this is a ZERO star review, not a ONE star review! Absolutely useless. I applied for an Ikea credit card on the evening, and may I say, late evening of Thursday 3 - 7 - 19. I was excited and I already had in mind what I wanted to buy and had been looking it up on their website. The next day, I was then told some 18 hours later that I was supposed to of used my card that I very evening to have gotten my $25 off my first purchase, 'even though I had no physical card in my hand.' So within those few hours before midnight on that Thursday evening I should have used this card to have gotten $25 off my first purchase. One of the most ridiculous things I've ever heard of in my whole life, and so poorly explained on the credit card application. When I called the following day some 18 hours later I was told by 2 Ikea employees, (Ben being the second,) that I could never get this $25 again to use. I canceled the credit card instantly via Ben. I've already posted a blog about my experience on Facebook about this and I will be filing complaints with the Better Business Bureau, anywhere that has reviews on Ikea and also consumer affairs. People need to understand how ridiculous Ikea is and the bank that supports them.