Advantages 10% off days!
Disadvantages High interest rates, outdated and restrictive payment method, yet another so called "reward" scheme!
|Competitiveness of APR|
|Quality of Customer Service|
|Security and Privacy|
|Ease of Application|
Yet another store card opinion! I guess I have what is now an old-fashioned view of consumerism. I remember the good old days when being a cardholder really meant something. For instance at M&S and John Lewis it was the only electronic payment method that they accepted. If a cardholder became dissatisfied and threatened to cancel their account, they would have had the Sales Advisors cleaning your shoes if you had so wished (well, virtually) it not only showed a healthy credit rating, but also gave a sense of belonging and loyalty. But it’s all changed now; I guess that’s why I had (and still do have) a large number of store cards. Even my Harvey Nicks card is becoming something every professional ‘thirty something’ owns. Enough nostalgia!Anyway House of Fraser one of Britain’s leading department stores. I find it great for casual clothes, my local store stocks a large range of Ralph Laren, which is perfect for wearing going to the Health Club in, it is also good for buying general household appliances. Hugo regularly sends me his Fraser Card bill and blames the size of it on a Gentleman named Ted Baker! (Sorry, family joke!)
The Fraser Card as it is affectionately termed, is a store card, which can be used in any House of Fraser store nationally (The house of Fraser brand is franchised under a variety of different names- my local store is Barkers in Kensington)House of Fraser have just launched a revised version of their store card, the card now includes a reward scheme, where by you collect points with everything you purchase. I personally cannot be bothered with yet another reward scheme, why do people always want more, can’t we be happy with paying the price on the ticket?!
If you’re interested…Every quarter if you have earned enough points you will be sent a statement and your reward vouchers, which can be used against future purchases.
For every £1 spent, 3 points will be accumulated, when 1500 points are earn a £15 voucher will be sent to you, and for every 500 points after the initial amount you will be sent a £5 voucher. Reward vouchers can also be exchanged for AIR MILES.The card also includes the standard features, including being able to spread your payments (although I clear the balance monthly) Account holders are offered exclusive offers and they are offered services such as account cover- this includes price, purchase and payment protection. Pretty standard really.
Opening the account was extremely straightforward, you simply fill out a simple application form and within a couple of days I had received my card. I cannot find the interest rate written anywhere, I think it is about the same as my Russell and Bromley store card at 30% (approx) with interest accruing at such vast amount it really isn’t a good idea to have a store card unless you intend to pay off the balance each month.Other Cardholder benefits include 10% off days. These are held around three or four times a year. The first time you use your card your card you also get 10% off. Can’t argue with that!
For more information either visit your local store or call Fraser Card Customer Services: 0870 1242 413Thank you for reading!
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