Tried to set up an account. Waited 6 days and then got a message saying that my application had been unsuccessful. I phoned them and was told it was Experian I needed to speak to as it was related to my credit. I just checked my Experian account online and my credit score is 999 - the best credit score you can have. So the suitcase that I was ordering for my son will now never arrive and I'm now going to have a really upset 4 year old boy as this suitcase isn't available to order anywhere else. He has been so excited about this suitcase, asking every day when it will arrive. I suspect that Studio only wish to exploit people with low credit scores who are likely to miss payments. This way they can get interest out of them. Shocking company who should be ashamed of themselves