A few months ago I opened a Next account and was given a modest limit. I used the 3Step option to pay, which is a bit like Klarna, where you split something over three payments, without paying interest. I have decided to stop using interest bearing accounts, or just pay off each month, so I don't further line the pockets of usurers. After having settled on time for a number of months, I received a notification that my account is on "Temporary hold" due to something on Experian. I checked Experian and my score has actually gone up, with no major changes on the report (no fraud alerts, account balances gone down, payments on time, registered on electoral roll etc.). I've heard about their reviews, but this just made me think, for those who do want a credit account, why bother with Next? I have seen on money forums, horror stories from people who have had limits of thousands and a large balance within those limits and then suddenly the limit is removed or lowered and these people are now over their limit. I have read "Which" has become involved in investigations into Next and their highly irregular ways of opening and then administering accounts. I would recommend if you want to buy from Next, pay up front (or look on a well know online auction, where you can get loads of Next stuff at a fraction of the price), but don't get into financial bed with this company.