Debenhams Store Card Pros + Cons card?

Advantages: Discounts
Disadvantages: High APR

...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...

djdeag 14.11.2006 · Read review
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Review of Debenhams Store Card

Is This Card An Ace Or A Joker

Advantages: Nectar Points, Discounts, Sale Evenings
Disadvantages: Interest Rate

...With so many cards to choose from you may be wondering if it is still worth having account cards for the big organisations such as Marks & Spencer and Debenhams. These cards are also known as store cards and generally speaking they may only be used at the store named on the card. Some cards like the JJB Sports card have many different partners where you can shop, it goes under the name of a Duet card and you may use it wherever you see the Duet sign. It doesn?t seem to matter if you can use the card at one store or many, as there is one factor that remains the same, high interest rates. I have different cards for different purposes and it is important when considering applying for a store of credit card what you are most likely to use the card for. If you have an outstanding balance on a high interest store or credit card...

criple 31.12.2002 · Read review
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Review of Debenhams Store Card

The Debenhams Card

Advantages: Discount and bonuses
Disadvantages: APR

...). The account cover (if you opt for it) also applies to purchases made from stores other than Debenhams (only applicable to the MasterCard) however you will have to fully check the terms and conditions about this. The Debenhams account application is now a dual application. This means that when filling out the application you will be considered for the Store card and the MasterCard and depending on the credit scores the computer will decide which, if any, you are eligible for. However if it is decided you are entitled to a MasterCard and you are sure that you want to be downgraded to a store card, then this can be done quite simply with a phone call. THATS'S IT! So there it is a "basic" summary of a Debenhams card! Now I know as I work there you will be thinking that I am only giving a one-sided view of the card but I do have to own one in...

robynpennock 28.10.2005 (14.02.2006) · Read review
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Review of Debenhams Store Card

Handy Little Card

Advantages: -
Disadvantages: -

...I have had a Debenhams store card for many years now, as you or may not read my Debenhams review, I can spend an awful lot of time in there and an awful lot of money. Debenhams store cards are issued by GE Money, one of the main companies that department stores, such as Debenhams go through when arranging a store card. Its an ideal piece of plastic if you shop a lot in Debenhams and works like any other store card. When you first take out the card you will be asked to fill in an application form in store so they are able to contact GE Money to see whether you would be accepted for a card. As they call through you will be given an answer instantly as to whether you are able to receive a card and if yes, you purchases of that first day will go on your new store card the same day, then all you have to do is wait for your actual card...

blondgem 21.06.2008 · Read review
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Review of Debenhams Store Card

Store up points with store card!

Advantages: Free, easy to accumulate, good bonuses
Disadvantages: Poor website section for tracing card points

...I'm a big fan of store cards that reward customers for loyalty. Initially when the Waterstones card was launched, I assumed that it was linked to a credit card (as the M&S card is for example) and I try to avoid racking up credit. So one day when I was stocking up on my next little pile of books in my local shop, the assistant explained to me that it was just a loyalty card. Of course I immediately signed up. - Accumulation - The card allows you to accumulate 3 points per £1 that is spent on normal products which is a much better rate than some other cards such as the Boots Advantage card. However there are also opportunities to maximise your point accumulation through special offers. - Special offers - There are exclusive cardholder offers on certain books which means that you can receive double points. There are also offers that...

lwa04lh28 20.04.2009 · Read review
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Review of Waterstones Card

Debenhams Card - Current Member Of Staff

Advantages: First week 10% discount, and regular special offers/vouchers
Disadvantages: High APR - and pressure on staff to open accounts

...cost you 1.25% of your outstanding balance so £1.25 for every £100 on your card - again no balance: doesnt cost you a penny. Standard Card/Mastercard There are two types of card you can get when you apply for your card you will either be offered the mastercard (you can ask for this to be downgraded to the standard storecard straight away) or the standard storecard. What are the differences between the cards? The storecard can only be used in Debenhams stores wheras the mastercard can be used in any store and typically has a lower rate of APR - also with the mastercard everytime you use it you earn reward vouchers which you will be sent periodically depending on how often you use the card. Benefits of having a card You will get 10% off everything you buy in any Debenhams store for the first week of opening your card (you will recieve...

rss2k7 24.10.2007 · Read review
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Review of Debenhams Store Card

hof card

Advantages: reward points leading to vouchers
Disadvantages: it taks arround 5 minutes to fill out the form

...the house of fraser store card is curretly the best on the market it has the most rewards each time you spend for example collecting points which add up toward vouchers which can be redeamed at any time. the poins quickly add up as every pound you spend you get 3 points and as soon as you reach 1500 points you het a £15 gift voucher. there are always new exclusive offers for card holders only, for example after the seasonal sales card holder and only card holders are eligable for an extra 20% off the sale price, other offers include certain weekends where you can receive between 10 and 20% off your bill with many consessions inclooded, the typical APR is arround 19.9% which works out arround 1.5% interest per month but your first 3 months are free....

M155RMJ 12.09.2008 · Read review
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Review of House Of Fraser Store Card

Nectar Card

Advantages: Lots of retailers to collect with
Disadvantages: Online points may not equal amount of cashback available elsewhere

...The nectar card is the loyalty card associated with Sainsbury's, however it has since branched out and is affiliated with many companies which allows for maximum point collecting! Let's start with the basics, you get 2 points per pound spent at Sainsburys or 1 point per litre of petrol bought at the Sainsbury's petrol garage. Each point accumulated is worth half a penny, so you need 2 points to equal 1 pence. If you redeem your points in store at Sainbury's then you will need minimum 500 points for £2.50 off o your shopping. Points need to be redeemed in increments of 500. Points can also be collected in other stores, for example Dolland and Aitchinson also give 2 points per pound, as do Homebase. As far as I am aware however, you cannot redeem your points against your total bills in these stores. Points can also be collected...

rachieb123 06.10.2009 · Read review
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Review of Nectar Card

The Blue and The Gold

Advantages: Discout weeks, sale preview evenings, 10% off for the first week
Disadvantages: the interest rate - ouch!

...First things First. ---------------------- Although I don’t have and never have had a typical Debenhams store card as such (I had the staff discount credit card) I feel I am qualified to write this opinion due to the fact that I spent two years working for Debenhams, almost exclusively in the Customer Accounts Department. The Basics --------------- There are two types of store card available, the standard blue card, and the more beneficial gold card. You cannot apply for a gold card though – basically you have to fulfill the requirements (see below) and the kind people at GE Capital bank will upgrade you. If they're having a good day. To apply for a blue card you need to :  Have lived in the UK for the last 12 months  Be working (or have a partner who is working) for more than 16 hours...

zoe_page 30.10.2002 · Read review
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Review of Debenhams Store Card

How To Make A Storecard Work For YOU!

Advantages: Good loyalty scheme, introductory discounts
Disadvantages: High APR

...can’t think of a single high street store that offers a simple loyalty card. However, USC stores are continually emblazoned with various posters and leaflets advertising certain deals if you take out one of their storecards. The normal offer is to give you 10% discount on your first purchase, when you take out a storecard. Standing in the queue at the till with £250 worth of stuff under my arm, it suddenly occurred to me that I could get £25 off the lot. It’s not a huge amount, but as something for nothing you couldn’t really complain. So, if I’m honest, I was lured into getting the card by the advertisements in store. How do you get one? A storecard is offered with credit terms, which means you have to apply for one and undergo credit scoring before you can have one. This process is normally undertaken in...

LostWitness 19.04.2004 · Read review
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Review of USC Store Card