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 cancelled 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. UPDATE: As time went on a complaint was filed with the Washington DC branch of the Better Business Bureau. Richard S in the corporate office at IKEA promised to send an e-card with $25 on it to an email address that I've used for almost 22 years and I check daily. Never once did these number ever appear in my spam folder or my inbox. Then my other email address was given to him which I've had for 14 years and check mane times daily. Once again no $25 numbers ever appeared. Finally Christine called from Ikea's Corporate office and left a message on my voicemail after I had talked to this particular lady the day before. At the time of this writing she said in a voice mail which was 17 days ago now, that a physical card would be mailed to me and would arrive in 7 to 10 days. Of course, no card has ever arrived I've recently filed a complaint with the attorney General of Washington DC and Mrs Carter there has forwarded my complaint to the appropriate attorney General of the state that the Ikea is in. I've come across a few other companies that are this awful with their constant lies about sending things to the customer. Let's be honest here, if Ikea were true to their word they would have spent a few extra cents and had this so called physical card sent to me with a tracking number. Even more simple, they would have called me on the phone and just given me the numbers. I'm NOT surprised in the slightest that this company has a got a 2 star review.