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| Ease Of Making A Payment | 10/10 |
|---|---|
| Customer Service | 10/10 |
| Value for Money | 8/10 |
| Overall rating | 10/10 |
Full review by
Hayzeltree
expert review 
on 14th May 2008
User Rating : 10
Respect :
0
Good Points: Interest Rate is low compared with other store cards Excellent customer service and great call centre Clear statements that tell you it wil cost you more if you only pay the minimum payment and highlights the interest your paying.
Bad Points: Ikea is rolling out online shopping but you can't shop online yet with the Ikea Card.
General comments: I have had an Ikea card for about 8 years now. They seem to operate the exact opposite to every other store card provider and bank out there. Firstly, I got into financial difficulty after a divorce a few years back and they froze my interest payments for 6 months and reduced my limit to zero until I got back into the black. I had no extra charges because I kept them informed-they really listened! As long as I kept to my payments, I had no trouble at all. The only time I was ever charged was for 12.00 for a DD that didn't go through (my fault). My Bank charged me £30.00 for the same transaction! I think Ikea Card charges are much fairer than other lenders. Once my finances improved, I cut up my other credit card and didn't apply for credit with anyone else because I could see the difference in the service I received when I really needed help the most.
Since then, my card has been re-instated with a good credit limit-no problems, this is never increased without my knowledge, I have to apply for any increase -for example, if I wanted to make a big purchase, like a Kitchen (which I never have), they seem to be really sensible lenders. I noticed that the APR was around 12% (recently gone up to around 16% re the current climate). Some store cards charge around 30% APR. The call centre is uk based, with no crazy press this and that options and they do not try to sell you things you dont want. I wish the service I got instore was as good as the store card-other than that it is excellent. If this is the only credit card you choose, then you cant go far wrong- and no! I don't work for Ikea!
Hayzeltree's review and ratings | 357 words | 1 comment added.
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