What's the difference between a Debenhams MasterCard and a Debenhams Store Card?
With a Debenhams MasterCard you can pay for goods at over 24 million places around the world, and you collect Reward Points every time you use it. The Debenhams Store Card is no longer being issued to new card applicants, but existing customers can use their Store Card as usual and earn points too.
How many Reward Points will I earn each time I use my Debenhams Store Card?
You'll earn 3 points for every £1 you spend on your Debenhams Store Card at Debenhams and debenhams.com.
How often will I receive Reward Vouchers?
Every 3 months we'll automatically convert the Reward Points you've collected by spending on your Debenhams Card into Reward Vouchers. Your Reward Vouchers can be used to treat yourself to whatever you want at Debenhams, when you pay with your Debenhams MasterCard. Reward Vouchers are sent out in January, April, July and October, so keep an eye out for them in the post.
1. Applying for a Debenhams MasterCard
How do you decide whether I qualify for a Debenhams MasterCard?
To qualify for a Debenhams MasterCard, you must:
NewDay Ltd will also perform a credit search to verify that you meet the criteria for credit.
How long will it take to complete an application?
It should take 10 – 15 minutes.
How long does it take to get a decision?
If you’re accepted or declined, it’s an instant decision. However we may refer the decision to an Underwriter to assess. If so they may contact you for further information before making a final decision.
What happens if I apply for an account and change my mind after the application has been processed?
You have 14 days from the day after you receive your card to tell us you want to withdraw from the agreement. You can do this by writing to us or calling Debenhams Card Services on 0844 411 1821*. We will tell you how much to repay and how to pay it. You will then have 30 days to pay what you owe including any interest.
Can I apply again if I am declined?
We would advise that you check your credit report and avoid reapplying for at least three months.
How do you use the information I give you?
2. Credit Searches
Will you carry out a credit search?
As a responsible lender, we will always carry out a credit search.
What is a credit score?
This is based on a number of factors. We will use this information to determine the amount of credit that we think is affordable for you.
How can I find out about my credit history?
You can contact the credit reference agencies currently operating in the UK – these are listed below. The information they hold may not be the same, so it’s worth contacting them all. They will charge you a small statutory fee.
Call Credit PLC. Consumer Services Team, P.O. Box 491, Leeds LS3 1WZ. Call 0870 060 1414, or log on to www.callcredit.co.uk (consumer solutions section).
Equifax PLC. Credit File Advice Centre, P.O. Box 3001, Bradford BD1 5US. Call 0844 335 0550 or log on to www.myequifax.co.uk.
Experian, Consumer Help Service, P.O. Box 8000, Nottingham NG80 7WF. Call 0844 481 8000 or log on to www.experian.co.uk.
Will applying for a card affect my credit rating?
If you have recently opened several credit accounts or applied for a number of credit facilities in a short space of time, this could reduce your credit rating. This is because lenders wish to lend responsibly and avoid customers taking on more credit than they can afford.
3. Credit Limit
What is a credit limit?
This is the maximum amount of money available to spend on your account.
How do you decide my credit limit?
This is based on information obtained from your application and the outcome of the credit search performed via the credit reference agency.
Can I increase my credit limit?
You can ask us if we will consider an increase to your credit limit, but any change to your credit limit will depend on your personal circumstances. We will then make an assessment before deciding if your limit should be increased. The limit available to our customers is regularly reassessed to ensure they have the appropriate level of credit available. As part of our commitment to lend responsibly, our lending policy ensures that our customers don’t become overburdened with credit. The assessment of the limit available to our customers is based on a combination of external bureau data and internal performance data.
Can I decrease my credit limit?
Yes, we can decrease your credit limit to any amount, provided it is not lower than your balance.
Can NewDay Ltd change my credit limit?
As part of our commitment to ensure that we are lending responsibly, we conduct regular reviews of all our accounts. We will provide 30 days’ notice of any change and you will have the opportunity to tell us that you do not want the increase, and/or that you do not want to be considered for an increase in the future.
What happens if I go over my credit limit?
In line with your terms and conditions, you will be charged a £12 fee for going over your credit limit. The amount that you are over your limit is immediately repayable.
4. Balance Transfers
What is a Balance Transfer?
A Balance Transfer is a facility you may be offered if you are accepted for a MasterCard. It enables you to transfer a balance held on another card(s) to your new MasterCard.
Is there a fee for Balance Transfers?
"The Balance Transfer handling fee is up to 5% of the amount transferred and will be charged each time you make a transfer. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you If youunless you exercise your right to withdraw from your credit card agreement within 14 days of receiving your card when, the fee will be refunded. The handling fee will be shown on your monthly statement following the transfer. If you exercise your right to withdraw from your credit card agreement within 14 days of receiving your card, the fee will be refunded.
How can I request a Balance Transfer?
To request a Balance Transfer, your MasterCard must be activated and you should call Recognition MasterCard Services on 0844 411 1821*.
How long will it take to process a Balance Transfer?
It may take up to 10 days to complete a Balance Transfer. You should continue making monthly repayments to your existing card providers until the transfer shows on your account with them.
How much can I transfer?
You can transfer any amount from £100 up to 95% of your credit limit. All or part of the balance(s) requested may be transferred, subject to your credit limit and to our approval.
Can I transfer balances from a number of financial providers?
Yes, subject to approval, you can transfer balances from a number of accounts and financial providers – providing that they are UK store card or credit card balances. However, you cannot transfer balances from another card provided by NewDay Ltd. All transfers are subject to our approval.
5. Cards and PINs
When will I get my card?
You will receive your card within 10 days of signing your credit agreement and the terms and conditions.
How do I activate my card?
Call 0800 915 2205. Opening hours are: Monday to Sunday 8am to 9pm. The main account holder must activate this card before it can be used. Calls may be recorded and monitored for training and security purposes and to help us manage your account.
What do I do if I lose my card or it’s stolen?
As soon as you identify that your card has been lost/stolen, you will need to call Recognition MasterCard Services on 0844 411 1821* so that we can block your card and issue you with a new one.
Where can I use my store card?
You may use your store card at any of the UK stores belonging to the retailer brand shown on your card.
Where can I use my MasterCard?
At over 24 million outlets worldwide, wherever the MasterCard logo is displayed.
How will I know that my card is a Chip and PIN card?
Your card will be sent to you with accompanying information to state that it is a Chip and PIN card. We will also provide you with essential information about using Chip and PIN.
When will I get my PIN?
You will receive your PIN within five days of signing your agreement.
How do I change my PIN?
You can change your PIN at any cash machine displaying PIN Services and by following the simple instructions.
What if I forget my PIN or get it wrong?
You’ll have three chances to enter your PIN correctly when you’re trying to pay. If you enter it incorrectly three times in a row, your PIN will be locked and you’ll need to call Recognition MasterCard Services on 0844 411 1821* to request a new PIN.
Will I need to use my PIN when buying online, over the phone or via mail order?
No, Chip and PIN replaces using a signature to confirm transactions – as you haven’t signed for these in the past, you won’t need to enter your PIN. But you may be asked to enter the 3 digit security code shown on the back of your card.
Can I use my Chip and PIN card abroad?
Chip and PIN has been introduced in some countries. Where this is not the case, you will be asked to sign a receipt. Therefore please ensure you still sign the back of your card when you receive it.
Can I apply for a chip and signature card?
If you are unable to use a PIN, call Debenhams Card Services on 0844 411 1821 and we will be able to provide you with a Chip and signature card.
Can I apply for an additional cardholder on my account?
Yes, you can add up to three people to your account at no extra cost. Additional cardholders must be over the age of 18, be your partner, spouse or other close relative, a UK resident and live at the same address as you. You will be responsible for all use of the card by the additional cardholders; they will also share your credit limit. You can request for any additional cardholders to be added to your account when you first apply. If you are already a cardholder and wish to add someone to your account please call Debenhams Services on 0844 411 1821*.
6. Protecting you and your card
How can I protect my card from fraud and misuse?
To avoid your card and account falling into the wrong hands, you should activate and sign the back of it as soon as you receive it.
Please memorise and destroy your PIN as soon as you (or your additional cardholder) receive it, and do not write it down (unless you do it in such a way that it would be impossible for someone else to recognise). If you change your PIN, make sure you choose it carefully. Never give your card or account number to anyone else and don’t allow anyone else to see your PIN when entering it at a Chip and PIN terminal. If you have reason to suspect that someone has unauthorised access to your account, you should report it to Debenhams Card Services on 0844 411 1821* immediately.
What should I do if I don’t recognise a transaction on my account?
Please contact Debenhams Card Services on 0844 411 1821* straightaway.
How do I report my card lost or stolen?
You should report it to us immediately on our Lost and Stolen Card Helpline on 0844 411 1821*. We will stop all transactions and will arrange for a replacement card to be sent to you as soon as possible.
What do I do if I suspect fraud on my account?
Contact Debenhams Card Services on 0844 411 1821* immediately, so that we can investigate this for you.
In what circumstances can you suspend use of the card?
We may at any time suspend your right to use the card or the account; where we reasonably consider that this is necessary because of reasons relating to the security of your card or account; suspected unauthorised or fraudulent use of the card; or if you have broken the terms of your agreement.
7. Rates and charges
What is estimated interest?
The estimated interest amount gives you an indication in advance of how much interest you could be asked to pay on your next statement and will help you manage your finances more effectively.
The estimated amount is based on the following assumptions:
You only pay the minimum payment amount shown on your statement
Your balance doesn’t increase before your next statement date due to any more purchases, cash advances or Balance Transfers
The minimum payment is applied to your account on the due date
The way we calculate interest doesn’t change and the interest rate(s) (which can vary) used in the calculation are the same at next month’s statement date as they are now
The amount takes no account of any delayed payment promotions we may offer in the period ahead
Will I be charged extra for using my card abroad? (only applicable to MasterCard)
You can make purchases at over 24 million places worldwide, wherever you see the MasterCard logo. Please note that occasionally, for fraud prevention and security purposes, transactions may be declined or referred when your Card is used abroad. NewDay Ltd adheres to a number of financial sanction regimes which may affect your ability to use your Card abroad. For details of any current restrictions, you should call Debenhams MasterCard Services on 0844 411 1821* before travelling. All transactions in currencies other than sterling will be converted into sterling on the day they are added to your Account at the Payment Scheme Exchange Rate (at the date and time the transaction is processed) together with the Non-Sterling Transaction Fee (2.75%). The Payment Scheme Exchange Rate used may differ from the rate when the transaction was made as exchange rates vary on a daily basis. The Payment Scheme Exchange Rate used when such transactions are made, and the amount of the transactions in sterling following application of the exchange rate will be set out in your statement. For an indication of the Payment Scheme Exchange Rate you can visit www.mastercard.com.
What do you mean by APR?
It stands for the Annual Percentage Rate, and is the annualised cost of credit; it also includes any fees, such as an annual fee, but not default charges.
Where can I find my APR?
The APR applicable to your account when you open your account will be shown on your credit agreement.
Can I withdraw cash on my card?
Cash withdrawals are only available on the MasterCard. You are able to withdraw cash from any cashpoint that displays the MasterCard logo. There is a cash advance fee of 3% or £3 (whichever is greater) every time you withdraw cash.
When do you charge interest?
From the date the amount is debited from your account.
Why would you change my interest rate?
We may change interest rates to reflect rate moves in the market, or if your personal circumstances change. We will always give you at least 30 days’ notice in writing of an interest rate increase, and another 30 days to tell us that you would like to close your account and pay down the balance at the existing rate.
What other charges may be applied to my account?
You can view other rates and charges by viewing the Summary Box.
How much will I have to pay to my account each month?
The minimum payment will be the sum of
1. the amount of any interest, and default fees charged to your Account plus
2. 1% of the remaining balance shown on your statement plus
3. the amount of any arrears, subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable.
How are payments applied to my account?
If you do not pay the account balance in full in any month, we will apply your payment to the statemented transactions as follows:
1. It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.
2. If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: Cash Transactions, Payment Protection Insurance premiums, Balance Transfers, other Special Transactions, purchases and other transactions. If you have more than one Special Transaction at the same rate, your payment will be applied first to the Special Transaction that has the earliest Promotional Period start date.
Where an account fee is charged in connection with a transaction or Special Transaction, it will be applied by reference to that transaction type. Otherwise it will be applied after other transactions as set out in 2) above. We will apply any remaining payment to transactions not yet shown on your statement in the same order as set out above.
What should I do if I am experiencing financial difficulties?
If you are having difficulties with your repayments please call Recognition MasterCard Services on 0844 411 1821* as early as possible and we can suggest ways to help.
8. Managing your account
Can I manage my card account online?
Yes. Using our Online Account Manager, you can you view your purchases, make payments and manage your Direct Debits online 24 hours a day, 365 days a year.
Making a payment
When making payments please always quote your account number, this is the 16 digit number found on the top right hand corner of your statement. You do not need to contact us to confirm receipt of payments.
You can pay your account using any one of the following methods:
By Direct Debit – You can set up a Direct Debit to pay the minimum payment amount, the full balance or a fixed amount on your card automatically every month. If you choose a fixed amount, this should be for an amount that will be more than your minimum payment. If in any month it is less, we will always collect at least your minimum payment. You can also set up a Direct Debit using the Online Account Manager under ‘Manage payments’. Alternatively, you can call Debenhams Card Services on 0844 411 1821*
By Internet or Telephone Banking – You’ll need to provide your bank with our sort code 09–01–09, our account number 01000007, and your card number.
By Telephone – Call Debenhams Card Services on 0844 411 1821* to pay using a debit card.
By Post – Please send your payment at least seven working days before the payment due date. Please do not send post-dated cheques or cash. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line and send to NewDay Ltd, PO Box 218, Rotherham, S98 1NS.
At any bank – Please make your payment by cheque or cash at least five working days1 before the payment due date by using the Bank Giro Credit slip attached to your statement – your bank may charge a fee for this service. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line.
At any UK Debenhams store - Please use the payment slip from your statement to pay at any Debenhams store. You can pay by Cash or Debit Card. Payment by Cheque or Credit Card cannot be accepted. Please allow up to 5 working days1 for the payment to be credited to your account.
A working day is defined as Monday - Friday, excluding bank holidays. A working day is defined as Monday - Friday, excluding bank holidays."
Can I change the date I pay my account?
No, we are unable to change payment due dates, as they are linked to when your statement is due, which is a fixed date set by us.
How much can I pay each month?
You can pay whatever you like each month, but you must make at least the minimum payment. If you only make the minimum payment this will cost you more and it will take longer to clear your balance.
What is the minimum that I have to pay each month?
The minimum payment will be the sum of (i) the amount of any Interest and default fees charged to your account plus (ii) 1% of the remaining balance shown on your statement plus (iii) the amount of any arrears subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable.
Will it cost me more if I only make the minimum payment?
If you make only the minimum payment each month it will take you longer and cost you more to clear your balance due to incurring as you will pay more interest on your account.
What happens if I miss a payment?
You will incur a late payment charge of £12. We may also provide this information to credit reference agencies and this may affect your ability to obtain credit.
Can I re-open my account if I close it?
No, if you would like a new account, please apply again.
Are there any penalties, costs or charges if I decide I don’t want the card any more?
You will not receive any penalties, costs or charges if you decide to close your account.
How do I end the agreement if I decide I don’t want the card any more?
Call Debenhams Card Services on 0844 411 1821*, or write to us at Debenhams Card Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.
When will I get a statement?
You will receive a statement once a month, when there is a transaction on your account. Your statement date will be determined by NewDay Ltd and you can find out this date by contacting Debenhams Card Services on 0844 411 1821*.
Can I change the date I receive my statement?
No, your statement date is fixed by NewDay and will be the same each month.
What are eStatements?
eStatements give you the same information as paper statements, but you view them via the Online Account Manager rather than receiving them through the post. To sign up for eStatements – sign in to the Online Account Manager to update your preferences under ‘My details’.
10. Contact us
Who are NewDay Ltd and how do I contact them?
NewDay Ltd issue and operate both MasterCards and retailer store cards.
NewDay Ltd is a member of the Finance and Leasing Association. They FLA run a conciliation and arbitration scheme to help members and their customers resolve difficulties. For more information, you can visit www.fla.org.uk or write to them at: Finance and Leasing Association, Imperial House, 15–19 Kingsway, London WC2B 6UN.
Key facts about NewDay Ltd:
Card Services contact address: Recognition MasterCard Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.
Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and together form part of the NewDay Group of Companies.
The registered office for these companies is: First Floor, 11 Tower View, Kings Hill, West Malling, Kent ME19 4RL (until 31/10/2014); Two Pancras Square, London N1C 4AG (from 01/11/2014). NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 0638085 and 0510571 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The NewDay trademarks are used by NewDay Ltd under licence from NewDay Cards Ltd.
NewDay Ltd is registered with the Office of the Information Commissioner – Data Protection Register Entry Number Z272680X
VAT Registration Number 100 1745 76
If you’d like to find out more, please visit newday.co.uk
* Lines are open seven days a week, 8am – 9pm. Calls will be charged at 5 pence per minute plus your phone company’s access charge. Call costs from mobiles and other operators may vary. Calls may be recorded or monitored for training and security purposes and to help us manage your account.
Credit only available to over 18s and subject to status is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and are part of the NewDay group of companies. The registered office for these companies is: First Floor, 11 Tower View, Kings Hill, West Malling, Kent ME19 4RL (until 31/10/2014), Two Pancras Square, London N1C 4AG (from 01/11/2014). NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 0638085 and 0510571 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Debenhams acts as a credit broker and only offers credit products for NewDay Ltd. Retailer is Debenhams Retail Plc and is authorised and regulated by the Financial Conduct Authority with number 0345088. Registered office: 10 Brock Street, Regent's Place, London, NW1 3FG. Registered in England and Wales. Registered number: 00083395.