Honestly what a terrible bank they have brought their American practices to the uk and it simply just doesn’t workHighly do not recommend using this credit card it’s beyond terribleCustomer services lie to your face with “call backs” within 24-48hrPoint system ain’t as hyped as it sound you get 0.5% cash back which adds up to like £20 after year and you can’t access it until the full year is upIf you accidentally miss a payment and they’ll take that £20 away and you’ll have to start again even if it’s just simply failed and you manually pay it straight awayHonestly it’s not worth it stay with the British banks and institutions these American ones are cowboys and would throw you away after they got you not worth it at all
