They have made a complete mess of my store card a/c.. They failed to take a direct debit completely and for all I know my credit rating has been messed up. Tried to call Customer Non Service and gave up after 20 mins listening to music... And it auto system did not take my a/c details either.. kept saying it was wrong. Have now contacted Debenhams Head Office as I am a journo.What a shower of complete idiots. Avoid... Not worth the aggro even for the in store discounts.
I have been trying for a month to cancel this card, calling the card customer services phone number five times, each time to be fobbed off with some pathetic excuse as to why the card can't be closed. I have cancelled several other credit cards in the past and have not been met with any such excuses, so I know them to be untrue. The customer services team is absolutely appalling; they can barely speak or understand English, meaning that they often take down your security details incorrectly when I know them to be true. They refuse to put you through to a supervisor or manager, and today the automated option for cancelling cards would not even work - I received a message saying the caller had hung up!
NEVER EVER APPLIED TO DEBENHAMS CREDIT CARD. NO DOUBT YOU WILL GET POINTS UPON SPENDING ON YOUR CREDIT CARD. HOWEVER, QUERIES AND DISPUTES WILL TAKE YOU AGES AND THE CUSTOMER SERVICE IS TERRIBLE. I HAD TO LITERALLY TOLD EACH OF THEM THAT I AM SO FRUSTRATED WITH THE CUSTOMER SERVICE AND WANTED TO CANCEL THE CREDIT CARD. YOU WILL NEVER GET TO THE RIGHT DEPARTMENT. I HAD FORGOTTEN THE ONLINE PASSWORD AND TRIED ALL CONTACT NUMBERS AND WAS TOLD TO CALL ANOTHER CONTACT NUMBER AND SO ON AND SO FORTH. IN ANOTHER CIRCUMSTANCES, THERE WAS A DISPUTE WITH THE CREDIT CARD AND THE CUSTOMER SERVICE HAS NO RECORD IN THEIR SYSTEM AND LITERALLY HAVE TO EXPLAIN MORE THAN 3 TIME TO EVERY SINGLE TEAM MEMBERS. COMPLETELY OUT OF MIND. IN THE END WE DECIDED TO CANCEL HE CREDIT CARD. MY ADVICE IS FOR A PEACE OF MIND, PLEASE AVOID THIS CREDIT CARD. THERE ARE OTHERS MUCH BETTER CREDIT CARD OFFER.
In August I went into the local store to buy make up for my daughters birthday spending over £170. when paying the assistant asked if I wanted a store credit card which would save me around £20 I asked if the account would come at the end of the mouth as I am paid the last day of the month she said she couldn't say but as most people got paid at that time she would think so.It arrived third week of Sept and I paid in full posting it off as soon as I was paid with what I thought was two days grace and this mouth received a late payment of £12 pounds to which I thought was disgraceful and cost me instead of saving and I feel I was conned into.Hence the card is shredded and I won't use Debenhams again
stay away!!! absolutely awful management from santander!!!! i moved house, informed them of it. i never received any statements, instead after a few months, received phone calls saying i failed to pay. on checking they had the wrong house number down, but correct town etc, so the person who took the address change, noted incorrect house number. however, they insisted on minimum payment. i refused saying a) want a new statement for verification b) pay in full as if i do part payment, i get interest charge. c) rescind all late payment and interest. i was accused of giving them the wrong address firstly, then told if i want a new statement it's another 3 pounds!!! common sense does not exist in these thick people's heads. if you send it the wrong address is that my fault?????
The Debenhams store card was quick and easy to open, a member of staff asked me at the till whether I would be interested, as I would receive 10% off of my shopping. Since I was doing a big shop, I decided that I had nothing to lose, and so agreed.
I was taken to a desk with a computer, and the sales assistant went through the form with me. They only asked basic information, such as name, date of birth, address, length of time at address and so on. I was then asked to provide a bank card or credit card confirming my identity, for which I used a debit card. Less than 30 seconds later I was told my application had been accepted, and given a credit limit. I was not at this point told the apr, but that wasn't a huge concern to myself as I was only using the card for the discount, and then going to pay it off, but it is worth bearing in mind.
I was given a temporary cardboard card, and told that I would receive 10% off any purchases I made in store for a week. If you are thinking of opening a Debenhams card, it is worth waiting until you plan to do a lot of shopping, as then the saving can really add up. I used my promotional discount to do the majority of my Christmas shopping- all stuff I was going to buy anyway.
My statement arrived about a week and a half after I had opened the account, and the due date for payment was a month after the account opening, so you do get a reasonable length of time after receiving your statement, incase there are any queries.
The bill can be paid online, via the telephone, by post or in store, so there are lots of options depending on your lifestyle. The quickest ways are online and on the phone, as these only require 2 working days to clear, cheques require 7.
The apr of this card is 19.9% typical, but it can range up to 29.9%, which is very high, and thus I wouldn't recommend this card as a form of borrowing. There are two types of basic card- the store card, and the master card, you can't choose which one you get, but the mastercard can be used in other shops besides Debenhams. There is also a cash withdrawal facility, but the interest charged is horrendous.
The benefits of having a card are 10% off in their cafe, 10% off purchases for the forst week, and special cardholder offers throughout the year. Their gold card, that you can be upgraded to, generally if you spend over £500 in 6 months, gives you 20% off in the cafe, free online delivery and free alterations, in addition to the card holder days/offers.
The disadvantages are that the apr is very high, and thus can be costly if you don't clear your balance before the payment due date, and like all credit facilities, can harm your credit rating if you miss payments.
I also had the problem with the card, that GE Money lost my file, and stopped the card without any warning after 3 months, this was easily sorted in store, and the sales assistant was very appologetic and gave a £20 voucher, even though it was not Debenhams' fault. Since then I have had no problems with the card, and keep it for the special offers, and have now had it for 8 months.
Overall, useful as a tool to get offers and discounts, not so good if you are looking for a credit facility to borrow on.
I applied for a Debenhams storecard when i was making a purchase and they explained i would get 10% off that purchase plus 10% off any other purchases i wanted to make that week.
As a card doesn't arrive within a week they give you a card one to use for the initial week until your plastic one arrives.
Applying was quick and simple - i just filled out a form and then a member of staff called up the application line for me. If i was busy i would have felt conscious about holding up the queue but it was luckily a quiet time of day.
When my first card arrived it was purple in colour and had a £500 limit.
After using this one for a year i was upgraded to a Gold Card which gives you a better interest rate and my credit limit was also increased significantly. During their Blue Cross sales they have the added advantage if you need to make large purchases they quite often have a deal where if you spend over £300 it will be interest free for three months and if you spend £600 it is interest free for six months. This is really handy at times like Christmas. Whilst i don't recommend spending that much just to take advantage of the offer if you are making large purchases anyway it's a great idea.
You also receive free tea or coffee in their restaurant with a gold card.
This card has been really good for me but i don't recommend it unless you are disciplined with it and pay the balance in full every month as the interest rates are quite high.
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 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 on your purchases and ideally the best way to manage your card if to pay of the balance in full when it comes through to save any interest being added onto the card as interest is normally charged at around 28% APR on this particular store card.
The issuer's of the card will also issue you with a pin number as you are able to have cash back from any Link cash machine if that is what you require, however its one way of diggng yourself into a hole if you start obtaining cash back from the card so not a wise move.
All purchase in store have to be signed for instead of using the pin number, as the cards themselves are not chip and pin, just authorised by signature.
They are a great card to have if you enjoy this store as much as I do!
I work in debenhams, and would like to share a few facts about the card. The store card isn't particularly bad if you are careful and remember to pay it off on time. you can now pay it off at any till point. this is especially good for new account holders as straight after you have opened your account, got the 10% off for the week you can clear it. also about 90% of customers who clear it off straight away never use it again, which of course means debenhams and GE Capital loose out on money. just a few things you might want to know from a staff's point of view. we have account targets, so each week each department and the store as a whole have to reach a certain target, sometimes as many as 40 accounts in a week for the buisiest departments. we also get ALOT of pressure from our line managers, verging on bulling to reach these targets. of course they in turn are getting bullied by their bosses who are under pressure from whoever is on top. But still, this pressure isn't any excuse for the nastyness some of the managers ooze. the person that opens the account gets 50p commission, which is NOTHING considering the amount of profits the companies get from account holders. We get £1 if we get account cover. this commission has decline over the years, and you can see that with inflation, we get pittance for more work. we now also have to process the account on the computer, whereas before we phone up and the person in the call centre actually processed the account. in my opinion we are getting paid one persons wage for doing two peoples jobs. so appologies to any customers if you are fed up of being pressured at the till! we have to do it or we get a massive telling off. to reasure you the staff will never scam you or anything like that, and i always make sure people are aware of the interest rate and the fact i can clear their account straight away. so take pity on us n
ext time your in!
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 for example you may wish to take out a card with a low balance transfer rate. Some cards like the Barclaycard offer extended warranties on some purchases, which may appeal to you. Other cards offer selected travel benefits for example. Therefore, different cards may suit different lifestyles and each one may have a totally unique purpose. The Debenhams account card is for sole use in Debenhams, you can however use it online at www.debenhams.com and the Debenhams direct catalogue. You can apply for a card in store where you are required to complete a paper application form or on the Internet site. If you visit the website you have a choice where you can simply submit you name and address details and a paper application form will be sent out for you to complete and sign or you can submit the form online via the secure server. If you submit the form online and your application is accepted it will be completed and posted out to you for checking and signing. The form will need to be returned to GE capital Bank ltd who are the company that provide the credit facility. When taking out an account card you are taking out a
credit agreement and therefore you must fulfil several requirements and a credit check will be performed. You will need to provide your name, address, date of birth, employment and income details. You must be aged 18 years or over and have been a UK resident for at least 12 months. You must either be in permanent paid employment with a minimum of 16 hours per week, self employed or retired or in receipt of invalidity or disability allowance. The application will only take around 5-10 minutes online and about the same in store. If you apply in store you are usually given a paper account card that you may use until your permanent card arrives which should be within 8 working days. You can if you wish have an additional cardholder on the account, i.e your partner, just be aware that you will be responsible for any purchases that they make. You will also currently receive 10% discount on all purchases for the first week. When the card arrives it will be Blue in colour with the Debenhams logo and a silver circle in the middle. Your account number will be printed along the front of the card along with your full name. You must sign it on the reverse immediately as you will be assigned a credit limit and as with any credit card it could be subject to fraudulent transactions. It doesn't appear to have an expiry date so unless you loose your card or it stops working you probably won't be sent another one for a long time, if ever. You must produce the card each time you make a purchase in store or enter your details on line. If you forget your card you can go 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 the minimum amount or the full balance each month. You can send a cheque direct to GE Capital Bank or pay at any bank. If you use a bank other than your own there may be a fee. You should allow 5 working days for the payment to reach your account if paying by any of these methods. You can also pay at any Debenhams store by cash, cheque or at some stores by debit card; credit cards cannot be used for payment. You can choose telephone banking or pay your account online via the website, you should allow 24 hours if you pay via the website for the money to be credited to your account. You can register to check your account details online and you will be given a long user ID number to sign in with and a passcode. I always forget mine, which is a bit of a pain. I can understand the number being a long one so that it is hard for people unauthorised to log in to your account but it's no good if you have to write the number down. I wanted to log in to my account and I couldn't remember my details so I telephoned them. They asked me some security questions and they gave me the User ID over the phone, they then emailed me my passcode, obviously they checked the email address with the one registered. If you don't want to go to the trouble of registering for online services you can always check your balance by telephoning 08701242412, you can request a series of options and one includes listening to the last few transactions on the account. You can also pay your bill by debit card
by simply entering the details. You may be wondering why I have not yet gone in to detail about the interest rate as I mentioned earlier. I simply wanted to tell you about the card as I feel if you use it correctly then the interest rate doesn't really matter. I would NEVER use a store card with the intention of keeping an outstanding balance, especially when credit cards are so competitive at the moment. The monthly rate at the moment on the Debenhams card is a staggering 2.08% which equates to 28% APR. Under no circumstance would I be prepared to pay interest on my account. Why do I have a card then? Simple! It is the benefits that the card offers. Many of you may have heard that the Sainsbury reward card has now changed to a Nectar card. When you use your Nectar card anywhere you get 2 points for every pound spent. These can then be redeemed for various rewards or money off your shopping at Sainsbury, see: www.nectar.com for more details. If you shop in Debenhams and use your Account card you will receive an extra 1-point for every two-pound spent. It may not seem like a great deal but it soon mounts up. In addition to nectar points you receive many special offers throughout the year, exclusive cardholder account evenings and discount vouchers. I have received many vouchers where you can save at least 10% and gain access to the sales before anyone else. I also find it really handy if you wish to buy an unexpected purchase but don't have the cash. As the interest rate is so high I am always committed to paying the balance off rather than put it on a low interest credit card and having the balance mount up. Debenhams also have a Gold Card but this is by invitation only. To qualify you generally have to spend £500 in a six to twelve month period. On my recent statements it has been counting down the amount I need to spend. I telephoned yesterday to see if I had qualified. The gentleman I spoke to was very helpful and altho
ugh I was a lit tle short he transferred me over to Gold Card status. You also qualify automatically if you use the wedding list service. The extra benefits of a Gold Card are, 20% discount in the café, free gift bags in store, free park and collect service and the privilege of using lockers and Gold Lounges to relax in. I am looking forward to taking advantage of these extra benefits; I've been told that my card will be with me within 7 working days. There are exclusive offers available that you can access from the website and you have access to a hotline number where you can apparently shop from the comfort of your armchair. Either card is worth having providing you use it wisely. I have always found the staff both in store and on the telephone to be very helpful and there are so many ways to pay your bill, access your accounts and gather information you should never have that frustrated feeling when you can't get your questions answered. The website is pretty useful to card members but you will not find information about the interest rate on there! I recommend the card if used wisely as the benefits to regular shoppers at Debenhams make it a worthwhile card to have The answer to the question in the title is of course that it is entirely down to how you use the card.
The Debenhams Gold card. Yes please, my soon to be husband and I said when offered this shiny piece of plastic way back in 1997. The perks seemed great, and in thos days, they were! Now in the more sober noughties (or whatever fatuous title the pundits have come up with for the decade in which we live) the perks are not that great, particularly if you're like me. Come for a journey into my life with Debenhams.... Back in 1997, my local Debenhams, Norwich had set up some ace discounts with local restaurants, parking offers, and had good promotions. I was always very impressed that I could get any garment altered fo free, not that I ever did. We spent loads, sometimes got stung with the exceedingly high interest rates (29.9% APR last time I looked) and thoroughly enjoyed the "hey we're Gold Card holders" feeling of going into the small and tired looking lounge. Then came our children and the refit. We moved further away and stopped spending as much (and we paid of the bill before the interest charge). Recently, we've noticed that we are not receiving any details of promotions. Apparently, this is because we aren;t spending enough. Great marketing ploy guys!! Don't invite us to things, and we won't spend more! The very helpful young man at Customer Services says we have to ring GM who do the finance bit and ask to be put on their mailing list. Not so popular now, are we?! Still, it's not all bad. There are two enormously useful perks - 20% off any meal in there restaurant when you pay on your card (great with a hungry toddler - they do good packed lunches, and you needn't carry cash. Secondly, if you use your card to pay for a Wedding Gift on one of their lists, it's gift wrapped and delivered free (saves approx £6) Definitely not the best card ever - they'll only be your friend if you spend loads!
First things First. ---------------------- Although I don’t have a Debenhams store card as such (I have the staff discount credit card) I feel I am qualified to write this opinion due to the fact that since starting at Debs I have worked 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. 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 a week in permanent paid employment Be over 18 When you come into the store and want to open an account, you can do so at most till points or at the CAS dept. You need to provide a form of ID (another credit card, a passport, driving licence etc) and fill in a form – usually takes 10 mins max. The staff member will then try to get authorization to open the account – either over the phone or on a computer. This again takes less than 10 mins. Pretty soon they will have a verdict for you. Most accounts get accepted, but if your is declined don’t take it personally – it could well be a mistake on the bank’s part or a problem with your post code than to do with your credit rating. The staff members cannot tell you why you get declined as we don’t know ourselves. What they can do though is give you a nice little leaflet that explains things, and includes an address to write to if you’re still not satisfied. The Bonuses ------------------ So your account’s been accepted. What should you do? First thing is, go shopping! Debs account holders get 10% off almost all purchases for an entire
week (some dept like Media and Entertainment offer lower percentages due to the value of the goods, and some concessions are nasty and give you nothing at all). Once your first week’s over though, the fun doesn’t stop. Card holders get special offers throughout the year, including first pick at sales, and extra discounts. At Christmas, when you’re short of cash, you can use your card (subject to status of your account) to withdraw cash advances – up to 100 GBP in one go, and 150 GBP over a month. You can also get an extra card for a partner or friend, but please note you still remain the main card holder and we can only discuss your account with you. The number of customers we get ranting on about how it’s sexist that we’ll only talk to their husbands is unbelievable – and the end of the day, it’s his account. If you’re that bothered, just open your own..... When they ask why, I usually want to say something along the lines of “well suppose he’s having an affair, and buying his mistress things on his card. He wouldn’t really want us to tell you....” but of course I never do ;) Also, if you forget your card we can issue you with a temporary one for the day assuming you have some other ID with you which has saved many a person’s life on Christmas Eve (or so I’m told). Gold Cards --------------- There are 2 ways in which you can be upgraded to a gold card. Firstly, by spending over 500 GBP in a set period of time (6 months or there abouts) and keeping your account in check, you may be entitled to an upgrade. Secondly, and current debs card holder who takes out a wedding list with us gets and automatic upgrade (although getting married is a bit of a drastic step to take). Gold cards have a number of extra benefits including : Free gift bag for any purchase (if you’re in Manchester pop in and say hi and we’ll even wrap it for
you while you wait) Free delivery anywhere in the British Isles Free lockers (in some stores – we can’t have them due to the whole “let’s make Manchester secure after the IRA bomb thing”) Your own personal lounge (in some stores, subject to space) where you can relax with a complimentary beverage (or 20 - some customers drink for a week while they're there...) whilst flicking through "quality" readables - the Debs Direct catalgoue, The Times, Ok etc 20 % discount in all instore cafes and restaurants when paying with your Gold Card Free hem and sleeve alterations on any item bought in store Interest Rate ---------------- You don’t want to know........ Ok, about 29.8% (might be 28.9% though – like that makes a difference). But, as is standard you’ll getup to 6 weeks interest free, and there’s no annual fee like with some other cards I could mention. Verdict --------- Open a Debenhams account card. In fact, come into Manchester’s Market Street Store, go up to CAS and ask for Zoë and then open one (only joking - well I'm not but I'd get in soooo much trouble if someone saw this and I hadn't pretended to be, if you know what I mean. Anyway, I'm off for a few weeks no.) Come on, you know you want to...........