Wish I had read these reviews before using Studio. It looks like this was a reasonably trustworthy company but in the last six months has gone seriously downhill on quality, reliability and ethics. Here’s my tale to add to the scores of others on here. Ordered a play centre for our nephews last November which took ages to arrive but they love, even though it wasn’t the best quality (turns out 18 month olds aren’t snobs!). Awesome. Was offered money off if I took the credit account which made sense - figured it could be useful for credit building, especially if the items were decent quality, as I could keep using it. Paid in full the day after ordering, the second the balance showed on my account. Haven’t used it since. Received a statement showing nil balance at the end of the year. Happy days. Just received another statement yesterday showing an £8.48 balance which was apparently interest on the £36 purchase that they had extended credit for, for less than 24 hours, a whole seven months ago. Say what? Even your less-than-friendly neighbourhood loan shark isn’t going to charge you that much. That statement estimates that I’ll have an interest payment on my next statement as well even if I pay it by the due date, presumably for the balance on this statement (which is just pure interest - I’ve not bought anything in the interim period). How can you be charged interest on something when you’ve paid it off in full within the due period? I’d love to tell you their answer on that if anyone ever picked up the phone. While there is sometimes hold music, I’ve been sat on a mostly silent line for over forty-five minutes now. Lesson learned: check Trustpilot next time before taking the plunge into a credit agreement with a reasonably unknown company. While that works out absolutely fine nine times out of ten, this time it bit me on the butt. I’ll be paying the amount and closing the account. They’ve actually offered to double the credit limit to £1,000 on the very same statement that tries to scam me out of dodgy interest payments. Ha! Sorry. Nope. Stay away - non-existent customer service, seriously dodgy credit practices and the quality isn’t good enough to warrant taking a chance that you might be one of the lucky ones. Not worth the hassle!