John Lewis Partnership Card

Grumpy_chap

Deleted_User said:

the additional cover of S75 alone, let alone chargebacks, up to 56 days interest free etc make credit cards far superior

CCs also offer flexibility and emergency funding which is not the case with debit cards.  That does cause some people to reach financial difficulty but, overall, I suggest, the ability to be able to fix the boiler / roof / whatever when it needs to be done is a benefit.

S75, however, while a benefit to the consumer, might well be a factor in banks making credit card less attractive.  It is an absurd potential liability on the CC for something over which they have virtually no control - really S75 should only apply where there is linked finance IMO.  

lr1277

You can now apply for the new Partnership card.

Sapindus

I was not impressed with my Amazon credit card which is also run by New Day.  The security to get into the account online was pathetic (may have improved since) but the worst thing was that every time I went in it asked me for £5.  Even when my account was in credit.  Compared with Barclaycard which gives me a simple "no more payment is required" it was very confusing.

WillPS

lr1277 said:

You can now apply for the new Partnership card.

Only if you are an existing JLFS cardholder who has "been invited to apply". Usual JL snooty tone of voice.

Chino

WillPS said:

Only if you are an existing JLFS cardholder who has "been invited to apply".

Whilst you need to be an existing cardholder you don't need to wait until you're invited to apply:

You can still apply for the new Partnership Card, even if you have not received your invitation with the Unique Reference Code. In that case we will just need a few more details to get you going

https://www.johnlewisfinance.com/credit-cards/partnership-card/get-ready-to-apply-bb.html

WillPS

Chino said:

WillPS said:

Only if you are an existing JLFS cardholder who has "been invited to apply".

Whilst you need to be an existing cardholder you don't need to wait until you're invited to apply:

You can still apply for the new Partnership Card, even if you have not received your invitation with the Unique Reference Code. In that case we will just need a few more details to get you going

https://www.johnlewisfinance.com/credit-cards/partnership-card/get-ready-to-apply-bb.html

The wording about being invited to apply is on here: https://www.johnlewisfinance.com/partnership-card.html#

Good to see this has all been checked for consistency!

Spaulfisher

i have just applied for a new card and my credit limit has been reduced from £10000 to £2200. no good for me.

older_wiser

new day don't give out massive credit limits it may increase over time though 

Grumpy_chap

Spaulfisher said:

i have just applied for a new card and my credit limit has been reduced from £10000 to £2200. no good for me.

As far as NewDay are concerned, the new £2.2k credit is in addition to the old card £10k credit

WillPS

Grumpy_chap said:

Spaulfisher said:

i have just applied for a new card and my credit limit has been reduced from £10000 to £2200. no good for me.

As far as NewDay are concerned, the new £2.2k credit is in addition to the old card £10k credit

This is spot on, and is going to be a common problem I think.