Advantages Discout weeks, sale preview evenings, 10% off for the first week
Disadvantages the interest rate - ouch!
First things First.
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 18When 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.
So your account’s been accepted. What should you do? First thing is, go shopping! Debs account holders get 10% off almost all purchases for an entire week (some dept like Media and Entertainment offer lower percentages due to the value of the goods, and some external concessions are nasty and give you nothing at all).
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.
|Competitiveness of APR|
|Quality of Customer Service|
|Security and Privacy|
|Ease of Application|
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