Which? customer score 51%
|Representative APR (variable)||Purchase interest p.a.||Cash withdrawal APR||Annual card fee|
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
- This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Reward scheme details
25% discount on women’s, men’s, kids’, home and 10% discount on furnity, electricals, toys, gifts, beauty, lingerie and fragrance when you apply by Thursday 26th April 2018. Earn Debenhams Points, 3 Points for every £1 spent at Debenhams and Debenhams.com, 1 Point for every £2 you spend elsewhere. 500 Points = £5 Reward Voucher. Receive 500 Bonus Points in your first statement. Free standard delivery from Debenhams.com when you pay on your Debenhams Credit Card. 10% off in Debenhams café & restaurants (when you pay using your Debenhams Credit Card.
- Representative Example
- Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.94% (variable), representative 24.9% APR (variable). Credit available subject to status.
Customer satisfaction scorecard:How do we work this out?
|Keeping you up to date with new deals||Transparency of charges / penalties||Online account management||Customer service||Overall customer score|
|Can be used for building credit rating||No|
|Minimum income required to open account||Not provided|
|Opening account is by invitation only||No|
|Account is for existing customers only||No|
|Further notes about eligibility||You must be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel). You must have a current UK bank account and a home or mobile phone number. You must not already have a Debenhams Credit Card. You must have a regular income. Credit only available to over 18s, is subject to status and is provided by NewDay Ltd. T&C’s apply. BT T&C’s apply.|
|Minimum age to open an account||18|
|Rate period||12 months|
|Limit period days||84|
|Rate period||0 months|
|Maximum interest free days (purchases)||56|
|Days to pay||25|
|Monthly payment min %||1.0%|
|Monthly payment min £||£5|
|Returned payment fee||£12|
|If you exceed credit limit||£12|
|Foreign usage fee (Europe)||2.75%|
|Foreign usage fee (worldwide)||2.75%|
|Charges for cash withdrawals||Yes|
|Cash withdrawal percent||3.0%|
|Reward is charity donation||No|
|Reward is cash back||No|
|Reward is Airmiles||No|
|Reward is points||Yes|
|Reward is vouchers||No|
|Reward is travel||No|
|Reward is Avios||No|
|Reward is discount||No|
If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.