John Lewis Credit card
Review:
John Lewis and waitrose are two of the best known names on the high street today. Covering everything from electrical and furnishings to food and drink you can now get an extra advantage. With the partnership card you can earn points whenever you make purchases and then redeem those points for vouchers. The vouchers can they be used to make purchases at either John Lewis, Waitrose and Ocado.com.
As with the majority of cards today your account will include full online management 24/7, which includes your current balance and recent transactions. The scheme is the result of a partnership between John Lewis and the HSBC Group and came to the market in 2003. A major benefit is that the vouchers are sent out every 4 months and not annually as with other similar schemes.
John Lewis and waitrose are two of the best known names on the high street today. Covering everything from electrical and furnishings to food and drink you can now get an extra advantage. With the partnership card you can earn points whenever you make purchases and then redeem those points for vouchers. The vouchers can they be used to make purchases at either John Lewis, Waitrose and Ocado.com.
As with the majority of cards today your account will include full online management 24/7, which includes your current balance and recent transactions. The scheme is the result of a partnership between John Lewis and the HSBC Group and came to the market in 2003. A major benefit is that the vouchers are sent out every 4 months and not annually as with other similar schemes.
| Type | MASTERCARD |
| Introductory offers: | |
| Balance Transfers:
0% p.a. for 6 months from the opening of your account 2% handling fee (minimum £5, maximum £50). |
|
| Purchases: 0% for the first 6 months from the date you open your account | |
| Long term APR (Standard Typical rate) | Typical 16.9% APR (variable) |
| Cash Advances (withdrawals) | 17.5% p.a. variable 1.75% handling fee (minimum £2.50) |
| Minimum Repayment | £5 or 3% whichever is greater |
| Annual Fee | none |
| Other Fee's | 1.75% handling fee (minimum £2.50) purchases of foreign currency and
travellers cheques. A 2.75% administration charge on non-sterling transactions. A fee of £5 to stop a cheque. The first statement date change is free, subsequent changes £10. Data Protection Act enquiry £10. Copy vouchers £5 and copy statements £5. Default charges - £12 overlimit administration fee - £12 overdue administration fee - £12 cheque returned unpaid - £12 unpaid credits and direct debits - £12 if we have to serve a default notice |
| Interest Free Period | Maximum 56 days for purchases if you pay your balance in full and on time. There is no interest free period on cash advances. Interest free period on balance transfers only applies to the introductory period. |
| Interest charging | If you do not pay off your balance in full, payments are applied first to Payment Protection Insurance premiums, then to Default and other charges, fees, interest and then Balance Transfers, Storecard Transfers, Cheque Transactions, Cash Advances and Purchases with lower rate introductory or promotional items repaid before items with no introductory or promotional rate, unless notified to you otherwise. |
| Credit Limit | MINIMUM £500 |
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