John Lewis Partnership Card

AlwynP

When I got my letter I went to the website I was too early; now I get a notice saying Wait that continues ad infinitude.  What’s going on?

AlwynP

techwatcher said:

Happened to me too - had a John Lewis card for 15+ years, paying in full each month and was rejected for the new card. I too feel strangely insulted, and a bit bemused. Spoke with NewDay and raised a complaint. Apparently it will take a few weeks to get a response.

It’s beginning to look as if John Lewis has shot itself in the foot.  I would guess that a significant number of current users are SeniorCitizens like me.  I would guess guess that many of them also pay off their balance in full each month.  A lot probably have savings on which they are getting little or no interest.  This means that, if New Day are using income criteria, they may restrict the credit limit.  I can’t get on the website to apply so I guess the website has crashed.

MollyR

The web site is working for me - I have just this minute checked my transactions on the card.

WillPS

AlwynP said:

techwatcher said:

Happened to me too - had a John Lewis card for 15+ years, paying in full each month and was rejected for the new card. I too feel strangely insulted, and a bit bemused. Spoke with NewDay and raised a complaint. Apparently it will take a few weeks to get a response.

It’s beginning to look as if John Lewis has shot itself in the foot.  I would guess that a significant number of current users are SeniorCitizens like me.  I would guess guess that many of them also pay off their balance in full each month.  A lot probably have savings on which they are getting little or no interest.  This means that, if New Day are using income criteria, they may restrict the credit limit.  I can’t get on the website to apply so I guess the website has crashed.

What you're describing is a problem with affordability checking, not NewDay in particular. If the move was happening in the other direction (i.e. to HSBC from NewDay) I imagine the problems would be even worse; not least because HSBC take months to process applications (not an exaggeration).

The moral of the story is that loyalty is relatively worthless most of the time with banking, and never more so than when you are loyal to a brand which isn't even a bank (or building society).

dunstonh

Another negative with the newday card is that it doesn't support Samsung pay.  

J63320

J63320 said:

daveyjp said:

I have both.  New card is 15 days,  its all down to whether you shared info when transferring,

All info on the New Day JLP cars website under Terms and Conditions.

Thank you, daveyjp, that’s very helpful. I have managed to find the two sets of Ts & Cs, and I’m appalled. They make it easy for you to share your data, without telling you that you will end up with less favourable conditions if you do. I now have to decide whether I will try contacting them to ask if I can change to 25 days, or take my business elsewhere

I have now spoken to someone at JLFS. Before I did so, I found those two sets of Ts & Cs again, using my laptop this time (I was on my iPad before) and - they're both the same, with 25 days! Checked back using the iPad - still 15 for data sharing! (Possibly cached - I don't know enough about how this works.) Anyway, I managed to get through to someone at JLFS who understood my position and did his best to be helpful, but he couldn't explain the discrepancy and actually said that  JL's research had shown that their customers prefer to make their payments earlier - something I find hard to believe - who wouldn't want the longest possible time to pay??
For my account, the only chance I would have of getting the interval changed to 25 days would be to raise a complaint, and since a) I've already spent more than enough time on this and b) I'm not happy doing business with people who change their online documentation without notice or explanation, I opted to cancel. Although I'm still within the cooling off period it'll be 90 days before the closure will be reported to the Credit Reference agencies. I want to apply for another card elsewhere but I'll try an eligibility checker first - if necessary I'll stick with one card for a few months. 

daveyjp

I have hard copy Ts and Cs and its 15 days.

artyboy

WillPS said:

AlwynP said:

techwatcher said:

Happened to me too - had a John Lewis card for 15+ years, paying in full each month and was rejected for the new card. I too feel strangely insulted, and a bit bemused. Spoke with NewDay and raised a complaint. Apparently it will take a few weeks to get a response.

It’s beginning to look as if John Lewis has shot itself in the foot.  I would guess that a significant number of current users are SeniorCitizens like me.  I would guess guess that many of them also pay off their balance in full each month.  A lot probably have savings on which they are getting little or no interest.  This means that, if New Day are using income criteria, they may restrict the credit limit.  I can’t get on the website to apply so I guess the website has crashed.

What you're describing is a problem with affordability checking, not NewDay in particular. If the move was happening in the other direction (i.e. to HSBC from NewDay) I imagine the problems would be even worse; not least because HSBC take months to process applications (not an exaggeration).

The moral of the story is that loyalty is relatively worthless most of the time with banking, and never more so than when you are loyal to a brand which isn't even a bank (or building society).

Completely agree with what you are saying in a "cold hard light of day" sense... but try explaining that to affluent but income poor older folk that have had an "account" with JL since the year dot, and see it as an a core part of their shopping experience, if not a small status marker in its own right.

JL is jeopardising its grey pound revenue here - even if it's only a minority affected, we can already see from this thread that it has the potential to be a noisy minority. Letters to the Times and all that. 

So if there simply isn't a credit provider that caters for this market segment (because the world has moved on...), it might have been better just to shut the whole thing down.  

WillPS

artyboy said:

WillPS said:

AlwynP said:

techwatcher said:

Happened to me too - had a John Lewis card for 15+ years, paying in full each month and was rejected for the new card. I too feel strangely insulted, and a bit bemused. Spoke with NewDay and raised a complaint. Apparently it will take a few weeks to get a response.

It’s beginning to look as if John Lewis has shot itself in the foot.  I would guess that a significant number of current users are SeniorCitizens like me.  I would guess guess that many of them also pay off their balance in full each month.  A lot probably have savings on which they are getting little or no interest.  This means that, if New Day are using income criteria, they may restrict the credit limit.  I can’t get on the website to apply so I guess the website has crashed.

What you're describing is a problem with affordability checking, not NewDay in particular. If the move was happening in the other direction (i.e. to HSBC from NewDay) I imagine the problems would be even worse; not least because HSBC take months to process applications (not an exaggeration).

The moral of the story is that loyalty is relatively worthless most of the time with banking, and never more so than when you are loyal to a brand which isn't even a bank (or building society).

Completely agree with what you are saying in a "cold hard light of day" sense... but try explaining that to affluent but income poor older folk that have had an "account" with JL since the year dot, and see it as an a core part of their shopping experience, if not a small status marker in its own right.

JL is jeopardising its grey pound revenue here - even if it's only a minority affected, we can already see from this thread that it has the potential to be a noisy minority. Letters to the Times and all that. 

So if there simply isn't a credit provider that caters for this market segment (because the world has moved on...), it might have been better just to shut the whole thing down.  

I agree completely, or of course not terminate the JLFS/HSBC arrangement if that was a viable option for them.

As I alluded to previously this isn't the first self-defeating move I've seen from JL and I doubt it'll be the last.

AlwynP

AlwynP said:

When I got my letter I went to the website I was too early; now I get a notice saying Wait that continues ad infinitude.  What’s going on?

Today I finally got through online and, as I was starting to provide info, I got through by telephone so had to explain to the New Day agent that I no longer needed him!

It was a doddle and, rather to my surprise, I was given an increased credit limit.  I completed a DDI and was even able to add the new card to Apple Pay.