0% Interest on Balance Transfers
BALANCE TRANSFER 0% INTEREST FOR 12 MONTHS, 2.99% FEE
Save money on interest you are paying on other cards by transferring your balance to your Debenhams Credit Card.
0% interest for 12 months if completed within 6 weeks of account opening.
How do I make a transfer?
To transfer a balance follow these 4 simple steps
- Apply for a Debenhams Credit Card.
- Call us on 0333 220 2666* after you receive your card.
- Tell us the 16 digit number of the card(s) you wish to transfer a balance from.
- Tell us how much you want to transfer and we will do the rest.
How much can I transfer?
- You can transfer more than one balance but only up to 95% of your available credit limit. All Balance Transfers and transfer fees must be within the 95% available credit limit. If the amount you want to transfer exceeds the limit, we may allow you to transfer part of the balance.
- The minimum balance transfer amount is £100.
Who can I transfer a balance from?
- You can transfer balances from the majority of UK credit cards.
- You cannot transfer balances from store cards or any other card provided by NewDay.
- You will need to be the primary cardholder to transfer a balance.
What else do I need to know?
- 0% for 12 months from the date that the transfer is completed. The transfer must be completed within 6 weeks of account opening.
- A fee of 2.99% of the amount of your Balance Transfer applies to each transfer. Once we have started to process your Balance Transfer, the fee cannot be refunded. The fee(s) will be shown on your monthly statement following the transfer.
- All Balance Transfers are subject to our approval.
- We will withdraw the 0% promotional rate if you fail to make your minimum monthly repayments on time and/or exceed your credit limit.
- At the end of the 0% promotional period, your applicable standard purchase rate will apply to any remaining balance.
- If you have a Direct Debit set up to pay off your balance in full each month, your full Balance Transfer amount will also be collected. Please call Card Customer Service team on 0333 220 2519* to amend your Direct Debit to cover at least your minimum monthly payments or a greater amount of your choice, so that you can take full advantage of your Balance Transfer.
- If you repay your balance in full each month, please be aware that if you leave your Balance Transfer on your account, we will charge interest on purchases you make from the point that those purchases are added to your account balance. This means that no interest free period will apply to those purchases until your outstanding balance, including the Balance Transfer, is paid in full.
- It normally takes three working days for a balance transfer to be completed (a working day finishes at 3pm for these purposes). So, if you request it on a Tuesday, it will be completed by Friday evening. If you request it on a Saturday, it will be completed by Wednesday evening. We will let you know if it will be completed sooner.
- You should continue making monthly repayments to your existing card provider until the transfer shows on your account with them.
- We reserve the right to withdraw this offer at any time.
Can I take multiple 0% promotion offers in addition to having a 0% balance transfer on my account?
You can make as many 0% promotional offer purchases as you like in addition to having a 0% balance transfer on your account provided that each promotional purchase qualifies for the promotional rate and that you do not go over your credit limit.
You will need to make your minimum monthly payments as stated above.
*Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, Monday – Friday 8am – 9pm, Saturday 9am – 5pm and Sunday 10am – 6pm. Calls may be recorded and 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 is a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The retailer, Debenhams Retail Plc, acts solely as a credit broker and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 692718. Registered office: 10 Brock Street, Regent’s Place, London, NW1 3FG. Registered in England and Wales. Registered number: 00083395.
Frequently Asked Questions
When can I start using my Debenhams Credit Card?
We’ll send your Debenhams Credit Card to you within ten working days of receiving your application (subject to approval). When you receive it, you just need to give us a call on 0800 915 2205 to activate it (calls may be recorded and monitored for training and security purposes and to help us manage your account). Then you’re ready to go!
How many Reward Points will I earn each time I use my Debenhams Credit Card?
You’ll earn Debenhams Reward Points with every purchase. You’ll collect 3 points for every £1 you spend on your Debenhams Credit Card at Debenhams, and 1 point for every £2 you spend when you make a purchase on it anywhere else.
Your Debenhams Credit Card is accepted at over 36 million places around the world whenever you see the Mastercard logo, so you have plenty of opportunities to build up your points! And remember, the more you use your Debenhams Credit Card, the more Reward Points you’ll earn. Start using it for everyday things like shopping or filling up your car, as well as bigger expenses like holidays, and you’ll soon see your points add up.
Can I earn points on a Debenhams Store Card?
Yes, you can earn 3 points for every £1 you spend on your Debenhams Store Card in store and online at Debenhams. So the more you use your Debenhams Store Card, the more Reward Points you’ll earn.
Representative 24.9% APR variable
Please click here for the footnotes related to the above terms and conditions.
How do I apply for a Debenhams Credit Card?
To apply for a card online, just click here. Applying is really simple and takes only a short time. Receive 500 Bonus Points with your first statement in the form of a £5 Reward Voucher. So apply today and start shopping!
How do you decide whether I qualify for a Debenhams Credit Card?
To qualify for a Debenhams Credit Card, you must:
- Be 18 years or over
- Be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel)
- Have a current UK bank account and a mobile phone number
- Not already have a Debenhams Card
- Have a regular income
NewDay Ltd will also perform a credit search to make sure the credit is affordable for you.
How long will it take to complete an application?
It should take you around 10 – 15 minutes to apply.
How long does it take to get a decision?
You’ll usually find out straight away whether you’ve been accepted or declined. Sometimes we refer the decision to an Underwriter to assess. If this happens, 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 0333 220 2519. We’ll tell you how much to repay and how to pay it. You’ll then have 30 days to pay what you owe, including any interest.
Can I apply again if I am declined?
If you’re declined, we recommend you check your credit report and wait six months before reapplying.
How do you use the information I give you?
Will you carry out a credit search?
As a responsible lender, we will always carry out a credit search.
What is a credit score?
Your credit score is based on a number of factors. We’ll use this information to decide how much credit we think is affordable for you.
How can I find out about my credit history?
To find out your credit history, contact the credit reference agencies currently operating in the UK (we’ve listed these below for you). The information they hold may not be the same, so it’s worth contacting them all. They’ll charge you a small statutory fee.
Call Credit Limited, Consumer Services, P.O. Box 491, Leeds LS3 1WZ or call 0330 024 7574 or log onto www.callcredit.co.uk (Consumer Help Section).
Equifax, Customer Relations, P.O. Box 10036, Leicester LE3 4FS or call 0844 335 0550 or log on to www.equifax.co.uk.
Experian Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF. Tel: 0344 481 8000 or log onto www.experian.co.uk.
Will applying for a card affect my credit rating?
If you’ve 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.
What is a credit limit?
This is the maximum amount of money available to spend on your account.
What is a cash limit?
This is the maximum amount of cash you can use for cash transactions, such as withdrawing cash. It is part of your credit limit.
How do you decide my credit limit?
We decide your limit based on information in 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’ll consider an increase to your credit limit, but this will depend on your personal circumstances, and we’ll make an assessment before deciding.
We regularly assess the limit available to you to ensure you have the appropriate level of credit available. This assessment is based on a combination of external bureau data and internal performance data. We’re committed to lending responsibly, and our lending policy ensures you don’t become overburdened with credit.
Can I decrease my credit limit?
Yes, we can decrease your credit limit to any amount, as long as it’s 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 and we may decide to decrease your credit limit or to offer you an increase. We’ll 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 don’t want to be considered for an increase in the future.
What happens if I go over my credit limit?
If you go over your credit limit you’ll be charged a £12 fee in line with your terms and conditions. You’ll also need to immediately repay the amount that you are over your limit by. Any promotional offers you may have will also come to an end.
Representative 24.9% APR variable
Please click here for the footnotes related to the above terms and conditions.
What’s a Balance Transfer?
You may be offered a Balance Transfer if you are accepted for a Debenhams Credit Card. It enables you to transfer a balance held on another card(s) to your new Debenhams Credit Card.
Is there a fee for Balance Transfers?
Yes, the Balance Transfer handling fee is up to 5% of the amount transferred, and will be charged each time you make a transfer. We will let you know the fee at the time that a Balance Transfer is offered. You’ll also see the handling fee on your monthly statement following the transfer.
After your Balance Transfer has been processed, you cannot cancel it, and the Balance Transfer fee cannot be refunded to you unless you exercise your right to withdraw from your credit card agreement within 14 days of receiving your card.
How can I request a Balance Transfer?
To request a Balance Transfer, your Debenhams Credit Card must be activated and you should call Debenhams Credit Card Services on 0333 220 2519.
How long will it take to process a Balance Transfer?
It normally takes three working days for a balance transfer to be completed (a working day finishes at 3pm for these purposes). So, if you request it on a Tuesday, it will be completed by Friday evening. If you request it on a Saturday, it will be completed by Wednesday evening. We will let you know if it will be completed sooner.
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 – as long as 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.
Representative 24.9% APR variable
Please click here for the footnotes related to the above terms and conditions.
When will I get my card?
You’ll receive your card within 10 days of signing your credit agreement and the terms and conditions.
How do I activate my card?
Your card must be activated by the main account holder before you can use it. To activate it just call 0800 915 2205 (calls may be recorded and monitored for training and security purposes and to help us manage your account). Opening hours are: Monday to Sunday 8am to 9pm.
What do I do if I lose my card or it’s stolen?
As soon as you know your card has been lost or stolen, you need to call Debenhams Credit Card Services on 0333 220 2519 so that we can block it and issue you with a new one.
Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded and monitored for training and security purposes and to help us manage your account.
Where can I use my store card?
You can use your Debenhams store card at any Debenhams store in the UK.
Where can I use my Debenhams Credit Card?
You can use your Debenhams credit card at over 36 million outlets worldwide, wherever you see the Mastercard logo.
How will I know that my card is a Chip and PIN card?
Your card will be sent to you with information to state that it is a Chip and PIN card. We’ll also provide you with information about using Chip and PIN.
When will I get my PIN?
You’ll receive your PIN within five working days of signing your agreement.
How do I change my PIN?
You can change your PIN at any cash machine in the UK displaying PIN Services by following the simple instructions.
What if I forget my PIN or get it wrong?
You 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 Debenhams Credit Card Services on 0333 220 2519 to request a new PIN.
Will I need to use my PIN when buying online, over the phone or via mail order?
No, you won’t need to use 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. If this isn’t the case, you’ll be asked to sign a receipt. So please make sure you sign the back of your card.
Can I apply for a chip and signature card?
If you’re unable to use a PIN, call Debenhams Card Services on 0333 220 2519 and we’ll 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, as long as they are over the age of 18, your partner, spouse or other close relative, a UK resident and live at the same address as you. You’ll be responsible for all use of the card by any additional cardholders, and they’ll share your credit limit. All additional cards will earn Debenhams Reward Points but any Reward Vouchers will only be sent to the main cardholder.
If you’d like to share your account, you can ask for any additional cardholders to be added to it when you first apply. If you’re already a cardholder and want to add someone to your account, please call Debenhams Credit Card Services on 0333 220 2519.
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 don’t 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 0333 220 2519 immediately.
What should I do if I don’t recognise a transaction on my account?
Please call Debenhams Card Services on 0333 220 2519 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 0333 220 2519. We’ll 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?
Call Debenhams Card Services on 0333 220 2519 immediately, so that we can investigate it.
In what circumstances can you suspend use of the card?
We can suspend your right to use the card or the account if we reasonably consider that it 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.
What is a preauthorised transaction? What happens if I enter into one?
In certain instances (e.g. when booking a hotel or hiring a car) the transaction amount may be unknown at the point you authorise the transaction. In such cases, the retailer will seek to block funds temporarily from your account. This is what we call a preauthorised transaction – it results in the relevant amount being deducted from your available balance only (it is not however processed as a transaction).
Please note that we will only block funds if you have authorised with the retailer the exact amount of funds that are to be blocked from your card.
We will also release the funds once we are made aware of the actual transaction value.
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, to 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, Balance Transfers and Money Transfers.
The minimum payment is applied to your account on the due date. The way we calculate interest doesn’t change. If we’ve let you know about any change in your interest rate, the estimated interest will take this change into account
The amount also doesn’t take into account any delayed payment promotions we may offer in the period ahead.
Will I be charged extra for using my card abroad? (only applicable to Debenhams Credit Card)
You can make purchases at over 36 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, we recommend calling Debenhams Credit Card Services on 0333 220 2518 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?
APR 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 will be shown on your credit agreement when you open your account.
Can I withdraw cash on my card?
You can withdraw cash on your Debenhams Credit Card from any cashpoint that displays the Mastercard logo. There is a cash advance fee of 3% of the amount of the transaction or £3 (whichever is greater) every time you withdraw cash. You can withdraw cash up to your cash limit which will be displayed on your statement. Interest will be charged from the date of the cash transaction even if you pay off your balance in full.
When do you charge interest?
We charge interest from the date the amount is debited from your account. If you pay your balance off in full by the due date every month, you will not be charged interest. However, if you use your card to make cash transactions, interest will be charged from the date of the transaction even if you pay your balance in full.
Why would you change my interest rate?
We may change interest rates for the reasons set out in your terms and conditions. These include 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 see other rates and charges in the Summary Box. These are also shown in your credit agreement.
How much will I have to pay to my account each month?
The minimum payment will be the sum of
- 1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus
- The amount of any interest, and Default Fees charged to your Account in the current Statement Period plus
- The amount of any arrears, which are immediately repayable; subject to this being a minimum of £5. If your total Standard Balance is less than £5, the minimum payment due will be the total outstanding balance. Any over limit amount is immediately repayable.
How are payments applied to my account?
If you don’t pay the Standard Balance in full in any month, we‘ll apply your payment to (i) Transactions and Promotional Transactions (ii) any Account fee charged in connection with a Transaction or Promotional Transaction, (iii) other Account fees and to (iv) any Default Fees, which are shown on your statement as follows:
1) It will be allocated to the different amounts of your outstanding statemented Standard Balance that are charged at higher interest rates first, then those that are charged at lower interest rates.
2) If interest is charged at the same rate on different amounts, we’ll apply your payment to the different amounts in the following order: Cash Transactions, Money Transfers, payment protection insurance premiums, Balance Transfers, other Promotional Transactions, Purchases and other Transactions. If you have more than one Promotional Transaction at the same rate, your payment will be applied first to the Promotional Transaction that has the earliest Promotional Period start date.
3) If you pay more than the Standard Balance shown on your statement in any month, we’ll apply your payment to Transactions on your Standard Balance which aren’t shown on your statement, before any Transactions on your Buy Now Pay Later Balance which are shown on your statement.
Where an Account fee is charged in connection with a Transaction or Promotional 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’ll 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’re having difficulties with your repayments, please call Debenhams Credit Card Services on 0333 220 2519 as early as possible, and we can suggest ways to help.
Representative 24.9% APR variable
Please click here for the footnotes related to the above terms and conditions.
Can I manage my card account online?
Yes, you can view your purchases, make payments and manage your Direct Debits online 24 hours a day, 365 days a year using our Online Account Manager.
Making a payment
When making payments please always quote your account number – this is the 16 digit number in the top right hand corner of your statement. You don’t need to contact us to confirm receipt of payments.
You can pay your account using any one of the following methods:
- Through the Online Account Manager
- 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’ll always collect at least your minimum payment. You can also set up a Direct Debit using the Online Account Manager under ‘Manage payments’. Or, you can call Debenhams Card Services on 0333 220 2519.
- 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 0333 220 2519 to pay using a debit card.
- By Post – Please send your payment at least seven working days (a working day is defined as Monday – Friday, excluding bank holidays) before the payment due date. Please don’t send post-dated cheques or cash. Ensure your 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 days (a working day is defined as Monday – Friday, excluding bank holidays) 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 your 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 (we can’t accept payment by Cheque or Credit Card. Please allow up to five working days (a working day is defined as Monday – Friday, excluding bank holidays) for the payment to be credited to your account.
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.
Can I change the day that my payment is due?
Yes. It’s one of the benefits of being a Debenhams Credit Card customer.
If you need to, you can change the date your payments are due, up to three times a year.
If you’d like to do this, call us on 0333 220 2519*.
*Calls may be recorded and monitored for training and security purposes and to help us manage your account. Calls to 0333 numbers will be charged at a standard national rate. Call costs from mobile companies and operator may vary so please check before calling.
What is the minimum that I have to pay each month?
The minimum payment will be the sum of:
1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus.
Plus the amount of any interest, and Default Fees charged to your Account in the current Statement Period.
Plus the amount of any arrears, which are immediately repayable; subject to this being a minimum of £5. If your total Standard Balance is less than £5, the minimum payment due will be the total outstanding balance. Any over-limit amount is immediately repayable.
Will it cost me more if I only make the minimum payment?
Yes, if you make only the minimum payment each month it will take you longer and cost you more to clear your balance, as you will pay more interest on your account. Any promotional offers you have will also come to an end.
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.
Failing to keep up with your repayments will also result in any promotional offers being withdrawn.
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 anymore?
No, you won’t 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 anymore?
Just call Debenhams Card Services on 0333 220 2519, or write to us at Debenhams Card Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.
When will I get a statement?
You’ll receive a statement once a month as long as there is a transaction on your account. Your statement date will be determined by NewDay Ltd (you can find out this date by contacting Debenhams Card Services on 0333 220 2519).
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’.
Can I request a copy of my terms and conditions?
You can request a copy of your terms and conditions at any time whilst your account is open – to do so please contact Customer Services on 0333 220 2519.
How will I receive notices from NewDay?
If you have signed up for e-statements, you can view notices by logging on to Online Account Manager. If you receive paper statements, notices will be sent in the post.
Who are NewDay Ltd and how do I contact them?
Key facts about NewDay Ltd:
NewDay Ltd issue and operate both Mastercards and retailer store cards. Card Services contact address: Debenhams Credit Card Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.
Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and 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 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
Contact Us Online
You can send us a message online by logging into your Online Account Manager.
If you are not register for our online services, you can do so here.
Alternatively, if you are not a Debenhams Credit Card customer, but wish to contact us online, please click here..
If you have a complaint related to your Debenhams Credit Card please contact us by using any of the methods provided in the ‘Contact Us’ section of the Debenhams Credit Card website. Alternatively you can write to us at:
Customer Services Department,
PO BOX 700,
If we do not resolve your complaint internally to your satisfaction, you can refer it to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone 0800 023 4 567. E-mail: email@example.com. Website: www.financial-ombudsman.org.uk. If you applied for Debenhams Credit Card online, you can also contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission. The ODR platform will forward your complaint to the Financial Ombudsman Service. For more information about ODR please visit the European Commission website.
NewDay Ltd is a member of the Finance and Leasing Association (FLA) and is bound by their Lending Code. Copies of the FLA’s Lending Code can be obtained from www.fla.org.uk. NewDay Ltd also subscribes to the Standards of Lending Practice which are independently monitored by the Lending Standards Board. For further information, or to see a full copy of the Standards of Lending Practice, please visit www.lendingstandardsboard.org.uk
What is Payment Protection Insurance (PPI)?
PPI is a type of insurance sold alongside financial products such as credit cards, loans and other finance agreements so that payments are made if the borrower is unable to make them due to sickness or unemployment.
Want to find out more about PPI?
If you had PPI on your account your policy was provided through Santander. To find out more about PPI, including how to make a complaint if you wish to do so, please visit the Santander website.
You can also call on 0800 171 2171 (Calls from UK landlines and mobiles are free) Opening hours from 29/08/2017 are 8am – 8pm Monday to Friday and 8am – 4pm Saturday
Or write to: PPI C1
9 Nelson Street
0% Furniture Offer
How do I qualify for this offer?
To get 0% for 12 months, you simply need to spend at least £500 (after any discounts or vouchers have been applied) in a single transaction on your Debenhams Card in store at Debenhams or online at debenhams.com on furniture and beds. (The offer excludes purchases made on a Debenhams staff card.)
- Representative 24.9% APR variable
What’s not included in this offer?
The 0% for 12 months offer is only available when you buy furniture and beds, including: Sofas and chairs, sofa beds, beds, mattresses (excluding EVE), dining tables and chairs, coffee and side tables, wardrobes, shelves and bookcases, sideboards, cabinets, bedside tables, dressing tables, bedroom chairs, recliners, ottomans, bar stools, office furniture, garden furniture, conservatory furniture, garden dining tables and chairs, garden parasols, gazebos, BBQs, outdoor & patio heaters, garden storage, and outdoor bean bags.
It’s not available for any other items, nor on any purchases outside of a Debenhams store or debenhams.com.
How will the offer be shown on my statement?
The transaction will appear on your statement in the usual way. Balances on promotional rates will be shown on the front and back of your statement.
To find out the date that your 0% interest rate comes to an end and the interest rate that you will then pay, look at the back of your statement. But please note that if you have a number of offers at promotional rates it may not show the expiry dates of all the offers. (It will always show those expiring soonest.)
Can I make more than one purchase at 0%?
Yes, you can make as many purchases at 0% as you like before the offer comes to an end, as long as they qualify for the offer, and you do not go over your credit limit.
What happens if I make further purchases that are not in the 0% offer and pay only those purchases off in full each month?
You’ll be charged interest on those purchases from the date they are applied to your account, until the day you pay them off in full. To avoid paying interest on these purchases, make sure you pay off your balance in full each month, including any balances you have on promotional rates.
Do I have to make payments during the offer period?
Yes, you will have to make at least the minimum payment as set out in your statement each month.
When does the 0% interest period end?
The 0% interest period ends 12 calendar months from your purchase date. At that point, the balance will start accruing interest at the standard purchase rate. (We’ll let you know before this happens on your statement.)
What rate will I pay at the end of the 0% interest period?
At the end of the 0% interest period, you’ll pay the standard purchase rate on any remaining balance. You can see this rate on your statement.
What happens if I don’t make my minimum payment in full and on time or go over my credit limit?
If you don’t make at least your minimum payment in full (and on time) or if you go over your credit limit, your promotional rate will be withdrawn and you’ll pay the standard purchase rate on any remaining balance you have.
What happens if I pay my balance in full each month via Direct Debit?
If you have an existing Direct Debit that pays your full statement balance each month, any balances on 0% will also be collected.
If you want to change this, please speak to our Card Customer Service Team on 0333 220 2519. But remember that this means that you may be charged interest on your balance.
Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.
How do I change my payment method or Direct Debit details?
To change your payment method or details, just call our Customer Service Team on 0333 220 2519
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Terms & Conditions
Offer excludes Eve Mattress and selected concessions, ask in store for details.
If you do not make any required payment in (minimum or full) on time or if you go over your credit limit your 0% promotional rate may be withdrawn. At the end of the 12 months offer period you will pay the standard purchase rate on any remaining balance. Visit debenhams.com/personalfinance for full details of this offer. Excludes staff.
Credit only available to over 18s and subject to status is provided by NewDay Ltd. NewDay Ltd is a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref no: 555318) for the provision of payment services. The retailer, Debenhams Retail Plc, acts solely as a credit broker and only provides credit products from NewDay Ltd and is authorised and regulated by the Financial Conduct Authority with number 692718. Registered office: 10 Brock Street, Regent’s Place, London, NW1 3FG. Registered in England and Wales. Registered number: 00083395.