Avoid! Awful company. I have had a very account for years which I use sometimes: they keep changing their repayment dates to earlier each month and as a result my last payment is registering as a day late, which I was told by the cantankerous and unhelpful woman over the phone will go on my credit history. They can't even stick to one specific date each month like any other normal company, and I'm full sure I'm not the only person that was caught out by this: I'll be paying what's left on that account in the coming weeks and closing it down, possible lodging an official complaint and I'll checking with the consumer's association whether its even legal to keep changing repayment dates.