I first became aware of this account card when my mum first applied for one many years ago. This account card has a first downer of being a very high APR of which in my mind has a big red cross over it, but the benifits of the card if used to its full potentional can out weigh and avoid the bad.
As many credit cards and store cards have, this card has an intrest free period of purchases of up to 56 days of the purchase providing the balance was cleared and payment was on time on the last statement.
There are 2 different types of account cards the blue and the gold. You can only apply for the blue card, where the gold has to be "earned". The blue card offers discounts on event days and when used with a nectar card, also gains extra nectar points per every £2 spent. The gold card on the other hand has much more value in terms of what you get for nuthing, but to get there can be costly. To gain the gold card, you need to spend a certain amount of money in one month (figure changes from time to time), this must be in 1 statement month and you will be automaticly upgraded. With a gold card, the main bonuses are entitled to 10% off of food in thier resturants, Shopping assistance, lounge with free tea or coffee and much more. The best time for this upgrade in my opnion would be at christmas, where you get other people to give you the cash and put it on your card, in which way they get what they want and it goes towards your spending need to get the gold card.
Overall this is a good card if kept in check and have the cash at hand when used, but if a balance is kept on this card it will cost you dearly.
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Advantages: 10% off first order, discounts and vouchers via card holder events, 56 days interest free credit, free catalogue and advice Disadvantages: high interest charged if you don’t pay your balance off, delivery options could be more flexible, calls to customer service vary depending on where you get routed to....!!
Connoisseur_Haggler 12.05.2002 (22.11.2002)
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