The Blue and The Gold
46 of 46 Ciao Users found the following review helpful
Advantages Discout weeks, sale preview evenings, 10% off for the first week
Disadvantages the interest rate - ouch!
First things First.
----------------------
The Basics
---------------
Have lived in the UK for the last 12 months
Be working (or have a partner who is working) for more than 16 hours a week in permanent paid employment Be over 18
When you come into the store and want to open an account, you can do so at most till points or at the CAS dept. You need to provide a form of ID (another credit card, a passport, driving licence etc) and fill in a form – usually takes 10 mins max. The staff member will then try to get authorization to open the account – either over the phone or on a computer. This again takes less than 10 mins. Pretty soon they will have a verdict for you. Most accounts get accepted, but if your is declined don’t take it personally – it could well be a mistake on the bank’s part or a problem with your post code rather than to do with your credit rating. The staff members cannot tell you why you get declined as we don’t know ourselves. What they can do though is give you a nice little leaflet that explains things, and includes an address to write to if you’re still not satisfied. Don't kick up a fuss then and there - there's nothing anyone in the store can do to get you authorized in this situation, and you'll just look rather silly and desperate.
The Bonuses
---------------
Once your first week’s over though, the fun doesn’t stop. Card holders get special offers throughout the year, including first pick at sales, and extra discounts. At Christmas, when you’re short of cash, you can use your card (subject to status of your account) to withdraw cash advances – up to 100 GBP in one go, and 150 GBP over a month. You can also get an extra card for a partner or friend, but please note you still remain the main card holder and we can only discuss your account with you. The number of customers we get ranting on about how it’s sexist that we’ll only talk to their husbands is unbelievable – and at the end of the day, it’s his account. If you’re that bothered, just open your own..... When they ask why, I usually wanted to say something along the lines of “well suppose he’s having an affair, and buying his mistress things on his card.
Attention, this is the first review from this author
Instead of giving a negative rating, consider:

Help this member by giving your advice

Report fraud (for example plagiarism) or other issue with the review to the Ciao support team
Add your comment
Frayed 29/06/2004 19:09
paulwaz 01/11/2003 23:42
I was naughty with my store card and always paid late, good op made me giggle
sue.51 24/10/2003 20:17
First store card I ever owned - although I seldom tend to use it apart from at Christmas (when it comes in extraordinarily useful) and for important occasions when I need a new outfit - but each time I do, I start getting harrassed to spend 'X' amount for me to be upgraded to a Gold card. Great op, although you don't seem to have covered payment facilities which are quite a few, as with all GE operated accounts, customers can pay in the Debenhams store, by direct debit, over the phone, at banks with the giro slip. Sue
helen201274 08/05/2003 22:05
BeeHappy 18/11/2002 18:50
I love Debenhams as a store, but dare not have a card Lol :0)