AquaReviews 2

I have had credit cards from all companies in England. They used my personal details such address. Date of birth and others. They got cars. Loans. Buy now pay later account in my name leaving me with a dept of over 4 million pounds that I did not apply for. It took years to prove in court that it wasn't me. I definitely know that marks and Spencers bank did most of this.

Quite a high APR (but this isn't relevant for how I use credit cards!)

They have a highly objectionable term in their terms and conditions saying that you cannot record their password in encrypted form. This is both objectionable and insufficiently prominent.

They provide you with two memorable words (one for the phone, that you are guaranteed to forget the details of because who used a phone, and an internet one). A single incorrect guess causes them to lock your account and ask you to post them proof of identity and address. Kind of stupid really.