I have used very.co.uk since 2012. My wife also has an account. Our credit limit combined is £9000. We nearly always use buy now pay later (12 months) for interest free credit and pau it off in time. We always pay any other amounts before interest accrues. We couldn't be happier. Occasionally there have been hiccups with some of their suppliers but they have always sorted it out. Customer services have always been helpful and not once have we had any language difficulties. Returns are accepted with no questions asked. Like I said, we couldn't be happier. I'm sure that other people here have legitimate reasons to be sour but all I can say is we have a different experience.