1 star is very generousI was pre-approved and then I went with full application. Approved and set the direct debit.i was told I'll receive an email with my online details and the card will follow after. 7 days after and I got a letter saying I was rejected. That's not the problem. The problem was that 86 points dropped on my credit scored after the hard search which was done the sand day I was told I'm approved. . I've been trying to rebuild my credit score and I'm bach 4 months. Waste of time. Crap service.