Forum Topic

John Lewis credit card

For years now I've used J.Lewis as my only credit card provider, but now they are going to change their backers and ask everyone to apply for a new card with their new backers. On Saturday, a whole page of the Times financial section was devoted to complaints from people who had had problems with the demands. I myself have balked at the idea of needing to possess a Smart Phone in order to be accepted, as I do not want to be a slave to my phone, which I reserve for family calls. There are other issues as well, but I am now looking for recommendations for alternative card providers. Any suggestions will be gratefully received.

Arnold Saxton ● 1476d19 Comments

With a Sainsburys card you earn Nectar points to take off your shopping, though they are reducing how many you get.

Lucy Chambers ● 1476d

Arnold - I don't see why you need a smart phone, though I assume you have a mobile that will receive texts.  I have just been through the laborious process of applying for the new card, which was a pain, but no more so than applying for any other new credit card.  I have not downloaded the app to my phone, only use the credit card itself for transactions in shops, and check my account on my laptop as I have always done, which is now slightly easier, as I don't need to remember a password.  I do keep on having to put in the six digit number sent to my mobile when doing online transactions for the first time, but I'm usually given the option of acknowledging the laptop as a "known device" or some other phrase like that, for future purchases.  Hope that helps.

Barbara Robinson ● 1476d

Virgin credit card changed access to your account recently as well. You can't log on with a PC or laptop ....now you need an ipad/smart phone to access an app, which is has more limited functions than being able to log in online.

Nick Jenkins ● 1476d

I have been very happy with American Express the last couple of years as they have excellent customer service and Avios Points on every transaction as well

Paul Fisher ● 1476d

Halifax offer a credit card which does not charge for purchases made overseas - very useful if you do much travelling.

Richard Greenhough ● 1476d

I've been happy with American Express as well - one thing is that you do find some retailers who won't accept American Express, which I think is because American Express charge retailers a higher transaction percentage.

Andrew Jones ● 1476d

I have the new John Lewis card, don't like that I have to use the App on my phone and have tried to avoid this for as long as possible but it seems theyall push for us to have these Apps.

Janice Evans ● 1475d

Janice - I don't see why you have to have the app.  I have the new card and use it just the way I used the old one, even though there was plenty of pressure to have the app.  I agree they want us to have apps for everything, but I'm resisting it with all my might!

Barbara Robinson ● 1475d

I saw a guy have his Black Amex turned down earlier this week in a very expensive (but good quality) Chiswick fruit and veg shop. The irony of their prices and those Amex charge wasn't lost on me. Other than the sketchy acceptance, Amex is a good card.

Gordon McDonald ● 1475d

Some Amex cards give .75% cashbackRetailers should take Amex the charges are not that high 1.69% on SumUp but they can probably get cheaper.A lot of banks charge 1% for businesses to pay in cash.

Chris Lucy ● 1475d

HI Barbara, thought I would need the App for when I pay off the balance.

Janice Evans ● 1475d

Janice - you can pay credit card bills in whatever way you choose to pay other bills, probably most commonly these days by online banking with your bank, which can be done on a computer (as much as banks would also love us to do this on our phones ...)

Barbara Robinson ● 1475d

HI Barbara, I don't do online banking, thought I would pay with my debit card on the App, anyhow tried today and unable to look at statement it just said error occurred try again so have tried several times and the same message, tried to make a payment 3 times and it never went through.Phone John Lewis Partnership there is a message if it is about New DayCredit Card we are unable to help, they give you a telephoneNumber to speak to someone at New Day and guess what it's exactlythe same message.  How do I contact them now ?

Janice Evans ● 1472d

I tried again and the payment went through still cannot view the statementso will leave it at that.

Janice Evans ● 1471d

Tesco card is good as you get Tesco Clubcard points on all use. Tesco points on council tax and electric and gas. Also my Halifax gives money to be taken off at the end of the year. You get a text monthly telling you how much you have earned for the previous month. I think the writer is right in not using a smart phone. It seems there are many scams.

Nicholas Beard ● 1471d

Update on New Day Credit card from John Lewis, apparently my paymentnever went through, the App not working notice comes up MaintenaceIssues. Have today got a letter requesting payment, tried the telephonenumber given and due to High Volume of calls unable to help.  My firstexperience of using an App is not good.  Anyone else had problems.

Janice Evans ● 1467d

I have just applied for my new Partnership card and have been declined! Am furious. I have a large credit limit (not normally reached!) and the monthly bill  is paid in full by DD every month. I don’t understand the logic. I loved the  Partnership card for the vouchers that were sent regularly. I use Amex too, but as that is not accepted everywhere my Partnership card was my main one.I will be sending a strongly worded email to John Lewis Finance to complain about this. The irony is, that included in this month’s statement was a summary total of what I had spent in the year (slightly embarrassing!). Well, New Day won’t be benefitting from that now!

Margot Crowther ● 1445d

Margot Crowther explained" I have just applied for my new Partnership card and have been declined! Am furious. I have a large credit limit (not normally reached!) and the monthly bill  is paid in full by DD every month. "That was your big mistake. People who pay off their card in full at the end of each month, and so don't generate any interest charges are their least favourite customers; as they don't make as much profit from them. While all cards generate merchant fees, it's the accumulating interest charges that they're most interested in.I myself, along with many others according to the press, had our Barclaycards limits drastically reduced, rendering the cards effectively useless in sonme cases, for that very reason.   michael adams

Michael Adams ● 1445d

I had to do a telephone banking payment to clear what I had spent as wasunable to access the App which has since started working again, I havenot used the card again but probably will if I have to.

Janice Evans ● 1445d