Is This Card An Ace Or A Joker

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

...the customer service department in store and they will provide you with a temporary card that is valid for one day only. You will be asked to sign a slip and you will be given a copy for your records. Keep them safe and ensure that you check them against your statement. If you have a balance on your card they will send you a statement every month, otherwise they promise to send you one at least once per year. You have up to 55 days interest free so it will depend on when you make your purchases; you always seem to have around 25 days to pay from when the statement is produced. For example if your statement was produced on the 26th and you made a purchase on the 27th, you would have 30 days before your next statement and then 25 days to pay. You can pay your statement in a number of ways. Direct debit is the most convenient and you can choose to pay...

criple 31.12.2002 · Read review
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Review of Debenhams Store Card

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

Handy Little Card

Advantages: -
Disadvantages: -

...to come through in the post. Once your card comes through, it arrives with details of your credit limit, terms and condition of the agreement, and general information about the card itself, then you are free to go back into the store and spend away. It doesn't matter if there are various outlets in your Debenhams store that are independent high street names, if it part of the Debenhams store, you are eligible to put these purchases onto your card. Each month you will receive a statement detailing what you credit limit is, what purchases you have made, any payments that have been received, the due date that your next payment is required, you outstanding balance on the account and the amount of credit that you have left available on the card to spend in store. You normaly get 59 days froma transaction before you start to pay interest...

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

The Debenhams Card

Advantages: Discount and bonuses
Disadvantages: APR

...Now I work for Debenhams, and have done now for a year and if there is one thing I have to do, it's to be able to process account cards. There have been some modifications to the old store card and a new MasterCard has been introduced, but I'm sure you will find all the information you need below! . THE APPLICATION. The application for a Debenhams card is pretty much the same as before, except now it is a dual application you are considered for a Debenhams store card and a Debenhams MasterCard (explained later on in DEBENHAMS MASTERCARD section). There is the written application, which I would not recommend doing as this takes alot of time and once you have filled in all the questions the member of staff has to relay all the information over the phone to someone in a call centre far far away..... I would however recommend doing...

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

...on the account cover, this aspect automatically comes with the price protection or you can choose to just have this option on its own. What does this do then? Well if you are offsick for a period of a month with a valid doctors note etc... and cant afford the repayment, for the first month Debenhams will pay the minimum payment for you - if you are still off sick after the next month (subject to various criteria of course - which im not 100% sure of) the whole remaining balance on your card is written off. Cost of Cover - to get the standard cover option which is both of the above mentioned aspects it will cost you 1.5% on your outstanding balance on the card at the end of each month, so £100 on your card will cost you £1.50 - if you have no balance it will not cost you anything! If you just opt for the balance cancellation cover on its own it will...

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

NEXT !

Advantages: Good quality clothes, lots of branches, good prices
Disadvantages: none

...very small but if it doe's get a bit busy, they normally open another till. You can pay by cash, any of the main credit and debit cards and also by cheques. Next also sell gift vouchers. LAYOUT ~~~~~~~ The layout in next (Grimsby) is brilliant There always seem to be plenty of signs to tell you where the children's section is, the fitting rooms and where the till is located. There are alot of seats near the footwear and a few random chairs in corners of the store which are for you to try the shoes on and for children who get bored.There are usually a couple of mirrors around the shop-floor which I find really helpful. The next shop in Grimsby is always clean and tidy and there is alot of room for people to move around the shopfloor with push chairs or wheel chairs. SALES ~~~~~~ Next make an enormous reductions on their...

star333 02.02.2005 · Read review
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Review of Next (Shop)

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

Next on my list...

Advantages: Reasonable pricing, good quality clothes, lots of stores
Disadvantages: Everyone else wears the same clothes, not always a great selection

...of cubicles with a bench, full-length mirror, and pegs and the lighting isn't too bad, unlike some clothes stores. There is a long linen curtain to be pulled across for privacy and a buzzer if you want to ask an assistant to find you another size. Paying: There seem to be ample till areas throughout the store and I have mostly been served quite quickly. You can pay with cash, credit or debit cards or with Next gift vouchers. Any purchases are packed into a plastic Next bag with handles. Customer service: I have found the sales assistants to be generally polite and efficient, mostly helpful but not particularly warm or friendly. They wear Next clothes and pin badges and Next lanyards so you can spot them fairly easily. The Sales: Now I know a lot of people love the Next sales but personally I'm not the type to queue up outside at 5am. I...

Katieshaz 02.10.2007 · Read review
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Review of Next (Shop)