Review of "BHS Gold Card"
BHS Gold Card is the flagship credit card for Philip Green the owner of BHS stores. It is unlike any other credit card as it also allows you to shop at Arcadia stores which also include Topshop,Topman,Dorothy Perkins,Burtons,Evans.
Another main feature of the card is the Choice Points system. This is a rewards system that allows you to accumulate different rates of discount offers, 5%,10% and 15% depending on how much you spend. For the user this is quite a good offer although you will have to spend over £500 to achieve the top 15% offer you will also have to use the card carefully or lose the discount when it arrives on your card. It is advisable to save the discount for a large shopping event. You can also use this discount in conjunction with other dicounts you get at special discount evenings. If you shop wisely you can get up to 25% off an evenings shopping.
You can also get insurance on your purchases for a small fee of £1.50 for £100 you are insured against damage or loss of transport of the goods to your home and also if you cannot pay due to unemployment or disability, Hospitialisation or bodily injury are not covered.
The APR on my card is 29% and interst is charged at 24.5% unless the minimum payment is made each month. This works out at about £4.75 per £100. The card is managed by GE capital who also manage Debenhams Gold Card. Charges for infingement of terms are £12 a go. There is not a cash withdrawl facility on the card.
To make payments you can use the paper statement at your bank or by telephone which is easy to do. You can not pay money to your account in store. The telephpone system is easy to use. I found the customer service was prompt when I lost my card a new one arrived in a few days.
Overall I found the card quite handy to use. You never know when you will need to use a card like this for whatever reason, new shoes or a tie. Store cards like this one are on invaluable use if used properly. My own advice is to shop wisely, plan your expenditure, visit the store frequently and decide what goods you need to buy, check their availability and when they will be there and take advantage of the offers when they come.
BHS sell home furnishings and clothes and accessories. Including the Arcadia stores caralogues there are thousands of goods available to you using this card.
Product Information : BHS Gold Card
Manufacturer's product description
Listed on Ciao since: 15/03/2001