I have had an account card with John Lewis for a few years now. Whilst I have long since cut up any other store cards I had, the John Lewis one gets continual use. In fact at this time of year it gets a hammering.
The reason for getting one in the first place was that JL didn't accept ... Read review
Advantages: lowish interest rate, manage account online Disadvantages: can only be used within john lewis group
...had an account card with John Lewis for a few years now. Whilst I have long since cut up any other store cards I had, the John Lewis one gets continual use. In fact at this time of year it gets a hammering.
The reason for getting one in the first place was that JL didn't accept credit or debit cards at their stores. This has now changed for Waitrose but I still use my JL card there anyway.
The economics bit:
The ... ...each month.
Orders from John Lewis shops are delivered free (within a 30 mile radius of shop)
Orders over £50 from Waitrose can be delivered free (but not when ordered online)
Invitations to special store events, such as wine tasings fashion shows etc.
Invitations to concerts, picnics and other leisure events, often at discounted prices or even free. A good summer night out could be an open air concert with a picnic packed ... more
I have had an account card with John Lewis for a few years now. Whilst I have long since cut up any other store cards I had, the John Lewis one gets continual use. In fact at this time of year it gets a hammering.
The reason for getting one in the first place was that JL didn't accept credit or debit cards at their stores. This has now changed for Waitrose but I still use my JL card there anyway.
The economics bit: The JL Option account charges 1.02% per month (13% APR) to current users, although if you take out a new one the rate for the first 6 months is 0.51%/month. You recieve a statement every month and you can pay by cheque, in store or by post or you can pay online with a debit card. For accounts paid in full by direct debit each month you can have up to 31 days interest free. The minimum payment each month is 5% of the outstanding balance to a minimum of £5
Benefits to card holders: Free copy of Waitrose Food magazine each month. Orders from John Lewis shops are delivered free (within a 30 mile radius of shop) Orders over £50 from Waitrose can be delivered free (but not when ordered online) Invitations to special store events, such as wine tasings fashion shows etc. Invitations to concerts, picnics and other leisure events, often at discounted prices or even free. A good summer night out could be an open air concert with a picnic packed by waitrose for about £50.
Online You can manage your account online. The system allows you to: Apply for an account See all terms and conditions see an up to date balance pay into your account Request an increase in your credit limit request further cards on your account for family members Update your personal details.
Since this is a storecard I am talking about, and chances are unless one is very disciplined and doesn't run up an unnessary debt a storecard or credit card can only be recommended as being reltively good value, efficient and easy to use. I'm not about to say " get yours today" but if you like John Lewis ( remember they are "never knowingly undersold") or you make use of Waitrose online I think it may be a card to add to your pack. I can say that I have found nothing negative about the card. Happy shopping!
Advantages: useful rewards scheme Disadvantages: high interest rate
Most credit cards now offer some kind of rewards system. If you are a sensible user of credit cards then one of these would make sense. I regularly review the credit cards on offer to see if I could get a better deal elsewhere.
Note: I do not encourage or endorse the use of credit cards to spend beyond your means. Ok I'm off of the soapbox now, back to the review.
JLP stands for JohnLewis Partnership, comprising JohnLewis, JohnLewis Online, Waitrose food stores and Ocado.com.
The Basics
The partnership card is the credit card offered by the JohnLewis Financial Services which was formed with the purpose of providing financial services to JohnLewis Partnership customers. JohnLewis FS is actually part of the HSBC Group of companies [Source: partnership card Legal information]
Everyone knows JohnLewis ...
Advantages: Excellent loyalty programme which saves you money in vouchers and off bills Disadvantages: none
deducted. (Not that mine last that long!!!) Points can be redeemed for the following:
British Gas/Electricity – you can redeem a minimum of 500 points (£5) up to 7500 points (£75) towards your British Gas/Electricity bill for each year. (Each year that you have had your credit card) 1 point = 1 pence
TV Licence – you can redeem a minimum of 500 points (£4) up to 13,000 (£104) the full cost of a colour licence. With the TV licence if you only want to redeem a certain amount of points you must pay the outstanding balance through your card, not elsewhere. 1 point = 0.8 pence
Vouchers – you can get vouchers in exchange for points with ASDA, Boots, Marks & Spencers, Dixons Group, JohnLewis, LPG, British Gas Contract (service). All are a minimum of 1000 points (£10) except Asda which is 1500 points (£15) and Marks ...
aflynn_01 13.06.2001
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