The service provided by NewDay credit card is worse than appalling! For a start they shut shop at 8pm and if you try to make a transaction after this time to a supplier you haven't used before it's more than likely you'll get your card locked. Nevertheless you get a message from NewDay to communicate with them and confirm it is a genuine transaction. No good though because they've all gone home and you have to wait till the following day to get it unlocked. If you happen to be abroad and desperate to pay for something in Tanzania or Bhutan (for example) what do you do when your card gets locked? And this is the service delivered by this clueless company on behalf of John Lewis! Today I discovered that there is no group or team of people in John Lewis who monitor the performance of NewDay and that's why the customers of John Lewis receive such an appalling service! John Lewis need to have a review button on their website to enable customers to post their reviews directly to them!