love it, app is easy to use. i started off with a limit of £50 and after making 6 monthly payments on time they upped my limit, they asked for my permission first. plus its really helped my credit score. I like that they start you on a low amount unlike some cards. it was easy keeping up with my payments as they send you updates a week before 4 days before 2 days before and they take the money on the actual day not 3 days before or after