NewDay Reviews 

I have an Argos card. Until the switch over it ran smoothly. This month the payment wasn’t taken and it seems in the change over the DD has been deleted. No email to say payment wasn’t due until 3 days after the payment was due. So the same day a late payment fee (all still without correspondence). Not happy at all with the change over. No doubt now a missed payment will show on my credit file even though the DD cancellation wasn’t from my part. I am disgusted

Honest,helpful proffesional

Highly recommended!I have been using this credit card for years and I am extremely satisfied. I pay my balance regularly, and they increase my credit limit over time. There are no hidden fees or unexpected interest rates. I highly recommend it to everyone!

Really good company and you only get a increase if you can afford it

Easy to apply, great App Helios you keep up to date and communicate easily,

Love my Marbles card. The app is so easy to use.

A very honest , down to earth provider who will go out of there way to help you whenever you may need it well done and thanks

Easy to apply for credit card
easy use app with regular credit increases

Everything is good

Very professional efficient and friendly if you maintain your credit limit and pay on time.e the better your credit score. Helpful and understanding

Marbles is a fab card, I love using marbles, thank you for accepting me

Absolutely amazing service

Easy to make payments, increase limits automatically set and straight forward, good offers on balance transfers etc

So easy to use, and nice to have a higher limit if needed

I believe NewDay have cut their customer service reps so waiting around 10 minutes is the norm no matter what time you call. My card is now regularly blocked no matter the vendor - anything above £1000. The latest is calling today and being told ‘I’m only helping out I have to arrange a call back by someone in fraud’ When? ‘Sometime today’. Absolutely ludicrous - happy security is good but it’s crazy that legitimate customers are waiting so long to use their card.

After receiving a text to say my card had been used but not from me . They was very quick to cancel my card and issue with new one . Talk me thou the stages of it . Very polite agent

Very good service.Got it sorted out really fast.Marbles credit card are great

For decades+ as a 'John Lewis' (HSBC-provided) credit card customer, my experience was trouble-free. My credit limit suited my needs perfectly, and without exception, I cleared my balance in full every month. And not just on my credit card: I have never missed a payment on any financial commitment in my life, loans or a mortgage, and I've held a stable, well-paid job for years.

But when NewDay took over the John Lewis card management in 2022, out of nowhere my credit limit was nearly halved, leaving me with an allowance that really restricts how I use the card. Larger purchases and booking holidays are now effectively off the table. I've tried every avenue to get this increased: the app, going through John Lewis directly, and phoning up, all without success. When I eventually raised a formal complaint, I received a dismissive template response citing 'responsible lending' as the justification. The suggestion that lending to someone with my financial history is risky is a joke, tbh.

Looking at other customer reviews here, I see that my situation is far from unique. A significant number of ex-John Lewis cardholders have described the same experience, i.e. low and arbitrarily reduced credit limits, poorly handled complaints and frontline staff who appear unable to actually help. Gone are the days when an actual person can listen to your complaint and make a sensible decision.

John Lewis has spent decades building a reputation on trust and quality service, and this partnership with New Day is eroding both. It's time JL took a hard look at whether this arrangement is truly compatible with the values its customers expect. And it's time for me to find another credit card provider that actually considers my financial situation and history properly.

UPDATE as 6 JUNE 2026. Within a day of my original post, NewDay posted the reply, shown here. Thank you for that, Claire. However, I provided the information as requested, in the private message proforma sent to me, that would have enabled my account to be correctly identified to the 'Specialist Team'. Two weeks have passed since then and I have heard nothing more; I checked the app just now, and there are no new messages and the 'Sorry your credit limit cannot be increased...' box is still there. So, my original review very much still stands. Never mind. It turns out there are plenty of other fish in the sea if one wants to cast a line elsewhere.

Even though my credit was bad at the time, they gave me a chance.
I'm really happy with my Marbles card.
Like any other credit cards, so-longs you keep up with repayments, it's a sound.
Also the app is really easy to use.

I rarely leave negative reviews, but my experience with NewDay handling my John Lewis Partnership Card complaint has been extremely disappointing.

My original complaint related to accessibility and communication difficulties. After explaining that telephone communication created difficulties for me due to disability-related communication needs, I was still repeatedly directed toward telephone-only processes regarding my credit limit review and complaint handling.

What makes this particularly frustrating is that NewDay’s own complaints literature states that “the simplest way to get in touch is using our chat service”, yet when I attempted to use chat to discuss the complaint, I was repeatedly told the complaints team could not deal with the matter through chat and that I would need to call instead.

NewDay ultimately upheld my complaint and acknowledged the accessibility challenges I faced, apologising and awarding compensation. However, the overall complaint handling process then became extremely confusing and inconsistent.

On the same day a supposed “final response” was issued, I also received:

* SMS messages stating my complaint was “currently under review”;
* a separate letter stating the complaint “will now be reviewed independently”;
* and wording advising that the investigation process could take up to eight weeks.

I then heard nothing further for weeks, which naturally reinforced the impression that the complaint investigation was still ongoing.

There were also inconsistencies regarding compensation amounts, with later Executive Complaints correspondence referring to £75 compensation previously awarded, despite only £50 initially being identifiable on my account.

Most concerning of all was the repeated insistence on “please give us a call” throughout the process, despite the complaint itself specifically relating to communication accessibility concerns.

I appreciate that the original complaint was upheld, but overall I was left with very little confidence in the consistency, transparency, accessibility, and coordination of NewDay’s complaint handling processes.

The experience ultimately led me to close the account entirely.