I applied for this "Clear" card about 3 weeks ago and I have to say, their processing of the application has been far from clear!!!...Was looking to get another CC provider a/c balance cleared along with co-opting my BOI mastercard a/c into this new one...got a pin No. by post a week ago but, no card arrived. I had applied for a 2nd cardholder on the account so, was expecting another pin No. but it never arrived. Called their 1850 No. yesterday to enquire about the status of the application and they told me that the other cc providers balance was paid on the 5th and that the card/s should arrive shortly. Came home yesterday from work to find that another 2 pin No.'s arrived... one for me and one for herself. Came home this evening to find that another application acceptance letter arrived by post today... Looks like more than their shares and finances are all over the place.. so is their paperwork... Just hope they screw up on the balance transfer onto the new card... decimal point in the wrong place in my favour would round things off nicely!