Topshop Store Card Reviews
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Latest Reviews
★☆☆☆☆
“HORRENDOUS!!!!!!!”
Written on: 29/04/2013
NEVER BEEN ABLE TO LOG INTO MY ONLINE ACCOUNT! they cant tell me why after a year of trying! they charge to phone and the customer service is awful! closing my account do not get this card its not worth it! (read more)
★☆☆☆☆
“Unable to manage card online!!”
Written on: 24/01/2013
Wish I could actually give this zero stars as this is really what it deserves. I am so disappointed with the services for this card, have had it for over a year and have never been able to log in to my online account. Customer services can provide no explanation, and charge callers - would have expected a free-phone number from such a large company. You cannot get an account balance in store so the only option is to use their charged automated service to find account balance. Should not be... (read more)
★☆☆☆☆
“Poor service”
Written on: 23/01/2013
I have had my Topshop store card for a number of years and generally have no major issues with this. A massive bugbear for me though is not being able to manage my account online, this appears to have been unavailable for a number of months whilst they "update their site". As a result of this I will now be closing my account - no use to me if I can't have the ease of using the online facility. (read more)
★☆☆☆☆
“Invoice/statement wasn't recieved”
Written on: 13/12/2012
I would not every deal with Santander again!!!!!!!! I have paid off the balance of £132 so I don't have to deal with them. I got a new Miss Selfridge store card and paid the first payment and I realized on the date of next payment that my statement hadn't arrived I phoned up to explain that I haven't received this statement and they were not interested. With the gentlemen stating that I am responsible for this account and that I need to make payment of £19.96 before the end of this day... (read more)
★☆☆☆☆
“absolute rip off”
Written on: 18/06/2012
i moved homes and told them my new address they failed to change it on the system, i gave them direct debit details to set up a direct debit, they failed to do this, i have now incurred over fifty pounds worth of charges and i am not happy. I tried to pay today to be told i needed to pay 69 pounds to bring it up to date and they would not remove any charges although the advisor somehow changed his minds and removed two charges when i made the payment. They failed to do their jobs correctly... (read more)
★☆☆☆☆
“Worst Customer Service EVER!!! from Santander Cards”
Written on: 08/06/2012
I just want to shout to the world now and tell the world not to get involved with Santander. They have the most appalling customer service ever. They are big liars and rip offs. They charge you extra for everything. Big lesson learned! Oh Wish I knew and never got a card. They are on about this security questions - and actually once in April I spoke with someone - he even didn't ask any security questions - straight to the issue. HAHA what the hell are they on about - don't know... (read more)
★☆☆☆☆
“would give a 0 if possible”
Written on: 18/05/2012
opened up the account simply to build up my credit rating. as soon as the card came through the post, i paid off the money i owed from opening up the card, i then bought 2 other things off the card and paid the money back straight away (literally a mattter of 20 minutes and did it in store) but trying to refister my card on the topshop website which is 'simple and easy' according to the assistant, is impossible! all i want to do is view my oustanding balance to see how much money i need to... (read more)
★☆☆☆☆
“help!!”
Written on: 11/05/2012
i would like to know my boyfriend signed up for a card the other day for top man and purchased me a dress on his account, we have nlot yet recieved the card and im not too keen on the dress, can i get an exchange without the card??? (read more)
Guest's Comment
Written on: 16/05/2012
You are entitled to an exchange without the card; however, you should receive the card within 5 working days of opening the account.
As a user of the Topshop card, I would recommend that you pay for the items on the card immediately and cancel it!
The Topshop card has a really high interest rate; and has caused me and my friends major stress over the years as the interest makes it impossible to pay off!
Luckily I have managed to pay it off after two years, but it really isn't worth the hassle! That is how they are able to be so successful!
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★☆☆☆☆
“Rip off!”
Written on: 04/05/2012
I have paid my topshop card religiously for the past five years, never missed a payment...yet when I paid on the actual statement date (2nd of March 2012) they have allocated it to the previous statement saying you're not allowed to pay on the statement date...it has to be the day after! Rubbish! Called them up about it as my normal £10 had changed into £30 as I have incurred a late fee and they say I have missed a month! Got through to India who were no help and quite rude, so wrote a... (read more)
★☆☆☆☆
“can never log in to pay!!”
Written on: 05/04/2012 by laura_h
Ive had my topshop card for 2 years now and have always had problems with the website. I would try and make a payment and it would tell me it hadnt been successful (nothing to do with my debit card) the past 3 months I have been unable to log in at all!! The website just doesnt load. So because of this ive had to use the phone line which is automated, but to my surprise this wasnt working either! I had to speak to an advisor. When I got my phone bill later that month id been charged £5 for... (read more)
See next 10 reviews
Showing 1 - 10 of 39 Reviews
★☆☆☆☆
“horrible foreign person”
Written on: 24/09/2011 by choodles
i wanted to view my transactions online so went on it to register online and i needed the password i had put when i got the card in the first place which i cant remember and so it says by the box to then ring customer services to find out your password so this is what i did. firstly why is it always an indian person on it?? he said ive got to make a new one up if ive forgot it but has to ask security questions first. so he asks me them and by the way ive got to get him to repeat every damn... (read more)
Guest's Response to choodles's Review
Written on: 02/05/2012
It sounds like you had a pretty bad experience but having read your review it seems like you have quite a bad command of English as well. Perhaps it was a lack of decent English on both sides that led to the problems you were having. Those in glass houses shouldn't throw stones...
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Guest's Response to choodles's Review
Written on: 03/05/2012
And what the hell is your problem??? Do you have such a marvellous command of english? I couldn't be bothered to use my proper command of english when writing this actually so there. So get off your high horse with your smart comments you obviously have lots of time on your hands.
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★☆☆☆☆
“No account Management”
Written on: 22/09/2011
Its impossible to manage your card, as the online system either doesnt let you log-in or hasnt been updated. The statements are very poorly put together, for example I had a limit of £350 on my card, my online account showed my balance as £176 and my available balance as £450! well that doesnt add up to £350 now does it, i queried it with Indian customer services and they said it was a system error. This error occured for six months.. You cant call and find out your os balance through... (read more)
★☆☆☆☆
“Got a card due to assistant in store. I got discount...”
Written on: 15/05/2011
Got a card due to assistant in store. I got discount of my purchases whoopy do but I have since been hounded for £13.00. More than 20 phone calls over the weekend for this small amount. Yes I forgot to pay my bill but do I really need 20 phone calls to remind me. Really bad customer service. Even when I paid more than my amount I still kept getting phone calls. Just want to pay the full amount off and never get a card from santander again. I have other store cards from other stores but... (read more)
★☆☆☆☆
“If I could put no stars for this card I would. ”
Written on: 04/04/2011
If I could put no stars for this card I would.
It was the first store card I decided to get - I will never get one again!!
It is not easy to manage online at all, set up direct debits that never came out and they gave me a late payment fees added to my account. Would never log on to account!
It is so difficult to talk to anyone regarding it, I would not suggest anyone get this card, save up and buy it instead!
Poor service and I think gives Topshop a bad name. I was a good customer there...
(read more)
★☆☆☆☆
“I'd encourage anyone with a TopShop card to cut it up,...”
Written on: 22/03/2011
I'd encourage anyone with a TopShop card to cut it up, and anyone wihtout one not to bother. We took one out for a single purchase in December 2010, and although we paid in full, Santander Cards couldn't trace the payment and have been sending reminders ever since. Just not worth the hassle. (read more)
★☆☆☆☆
“Absolutely DO NOT get a topshop card. They do not make...”
Written on: 03/12/2010
Absolutely DO NOT get a topshop card. They do not make it easy for you to pay off your money and so many little traps that once you have finally worked it out there are a dozen different fines.
I only opened up an account because I was buying stuff from Topshop for over 100 pounds and if I got a card then it would save me a % It seemed like a good idea to open it up then close the account once it comes through. It was not. NOt worth the time or hassle on the phone and internet and certainyl...
(read more)
John Driscoll's Comment
Written on: 22/03/2011
I found this review very helpful because it confirmed my view of the appalling service from Santander Cards. It's not the fault of the stores themselves. If enough of us complain, they may use another account card provider.
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★☆☆☆☆
“Got the card, bought a £13 item but was not allowed to...”
Written on: 29/10/2010
Got the card, bought a £13 item but was not allowed to pay until card arrived. Because it was new I forgot and by the time I paid I was apparently 5 days overdue. They slapped a £12 fee on top so now the item was costing me £25.
Because I was too late for my first statement I was convinced I paid for my next one.
To my surprise my next statement had another £12 fee on it.
Why? Because I paid on the 24th and the statement was printed on the 25th. I was told I was not allowed to pay until my...
(read more)
★☆☆☆☆
“Awful. Was blatently lied into getting this card via...”
Written on: 28/05/2010
Awful. Was blatently lied into getting this card via the shop assistant in the Topman Silverburn store("you'll get vouchers in the post and then you can just cut it up" - no, you have to spend £40 on it FURTHER to get vouchers). I am really angry and I can't complain to anyone. I'm finding it impossible to pay online even though it says I can, and I don't want to have to phone a premium rate number to pay it! 10p a min. Ridiculous. I would pay it right now if I could, as I only got it for... (read more)
★☆☆☆☆
“everytime, i call to make a payment, something will go...”
Written on: 19/05/2010
everytime, i call to make a payment, something will go wrong, they say my dob is invalid, then when i try again its ok. costs a fortune, it is so dragged out. i started to pay direct debit, then realised even though the full amount was paid they were still taking a minimum payment each month. I live in jersey, where we do have a topshop, but they wont let me buy on line, they say they wont deliver here??? Not worth the hassle. there clothes are so over priced, really bad quality. (read more)
★☆☆☆☆
“Seriously Topshop, you have a bunch of muppets running...”
Written on: 08/03/2010
Seriously Topshop, you have a bunch of muppets running your store card! It's bloody awful.
My experience is as follows. I recently moved, and contacted Topshop to advise of the change of address. All was ok, and I was using my card. A few months went by, and I hadn't had a statement. I didn't really think much about it. I then received an automated phone call from santander. I typed in the information requested, and the automated voice told me it was wrong. I was then transferred to an...
(read more)
See next 10 reviews
Showing 11 - 20 of 39 Reviews
★☆☆☆☆
“There is no online account management for my topshop...”
Written on: 29/12/2009
There is no online account management for my topshop card like my statement suggests and when calling up to pay my balance there is silence for about 5 mins on the other side of the line after I put in my account number, therefore running my phone bill up. In the end I had had to hang the phone up 3 times and try again with still no success in paying my bill. On my bill it also says the phoneline opening times are 8am-9pm, 7 days a week, however when i call to make payment the day after at... (read more)
★★★★★
“I think a lot of the comments on here are unfair, you...”
Written on: 07/07/2009
I think a lot of the comments on here are unfair, you get your APR written onto your contract as soon as the account is opened, everything is explained properly, it's probably just that people don't take in all the Ts&Cs until they read it in black and white. When my Topshop Store Card arrived I read it all through and I still had well over a month to pay off the balance before any charges were made (56 days in total). When I opened mine the girl even reminded me that it takes 3 working days... (read more)
☆☆☆☆☆
“I've had my Topshop card for several years. I always...”
Written on: 10/06/2009 by bluejaykay
I've had my Topshop card for several years. I always paid my card balance in full in the store when I get a statement. I often find the girls who serve me don't have a clue how to do this kind of transaction.
I have had problems on 3 occasions now.
1) I didn't get a statement. That was years ago and after phoning the problem was resolved.
2) I was sure I made a payment before going on holiday in 2006. For some reason the transaction didn't go through so I paid again as I couldn't find a...
(read more)
Hk6911's Response to 466108_bluejaykay's Review
Written on: 26/09/2009
thats not a problem with the card, thats a problem with one girl that didnt know what she was doing but if you had handed over money to pay for that transaction (paying off your card) and the cash desk had opened to put the money in then the transaction would have gone through, if you had paid by card and you had entered your pin ... then obviously it went through. with your statements if they dont come through ... check it online !
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★★☆☆☆
“Difficult customer service at Topshop Store Card, hard...”
Written on: 17/05/2009
Difficult customer service at Topshop Store Card, hard to get through too, as the automated service keeps saying the information is wrong. (read more)
★★★★★
“The Topshop Store Card is great, i get free vouchers,...”
Written on: 04/04/2009
The Topshop Store Card is great, i get free vouchers, and can spend £250 when i like, i ask every time i go in for offers =) (read more)
★★★★☆
“I love my topshop card! I get special card holder...”
Written on: 29/12/2008
I love my topshop card! I get special card holder priviledges sent with my statements such as percentage of my next order!
I can pay in store and use in other stores such as Dorothy Perkins, BHS, Wallis and Miss Selfridge.
(read more)
★☆☆☆☆
“My second bill did not arrive. When I did get a bill,...”
Written on: 09/12/2008 by stellaps (1 review written)
My second bill did not arrive. When I did get a bill, they had the temerity to charge a £12 late payment fee as well as interest. The late payment fee was waived when I telephoned to complain but the interest wasn't. Having had to wait for a while before speaking to a customer service rep on the phone, I could not be bothered to dispute the interest charge. I paid my bill in full and cancelled the card. The customer service rep was not in the least bit interested in retaining my custom,... (read more)
★☆☆☆☆
“The most obvious good point would be that you can use...”
Written on: 09/10/2008
The most obvious good point would be that you can use it to buy something you want from the store when you have no money in your bank account! and the fact it can be used in other arcadia group stores such as miss selfridges and dorothy perkins. The interest is very high on it! i applied for my card then a month later my boyfriend applied and got a lower interest rate than i'm on!! I wouldn't reccommend it. (read more)
☆☆☆☆☆
“The whole system is a complete mess, the leaflet which...”
Written on: 11/07/2008 by hshh (1 review written)
The whole system is a complete mess, the leaflet which arrives with the card is full of errors. The biggest one being that there is no online account management, you have to call expensive service lines, which may or may not work (though they will connect you to some agent, so the phone call will be charged, of course)! I received my card about two weeks after filling out the form to get a 10% discount for a purchase. That 2.50 discount, and more, I spent on their service phone lines trying... (read more)
★☆☆☆☆
“They make it really hard for you to pay it off, even...”
Written on: 28/03/2008
They make it really hard for you to pay it off, even finding the number to phone is a mission! (read more)
See next 10 reviews
Showing 21 - 30 of 39 Reviews
★★★★☆
“Hi I have a Topshop store card and a lot of the...”
Written on: 23/02/2008 by jensullivan1
Hi I have a Topshop store card and a lot of the details in your first comment are wrong. The APR is typical variable 19.9%- 24.9% you get 10% for your purchase whilst opening the card if you spend over £40 and 15% if you spend over £80 you also get 3 free internet deliverys and 10% extra off on the first week of the two main sales not to mention getting various offers throughout the year. These details are taken directly for the leaflet I was given just thought you'd like the proper facts.... (read more)
☆☆☆☆☆
“When i just turned 18 i went into topshop to purchase...”
Written on: 09/02/2008 by gpreshaw (6 reviews written)
When i just turned 18 i went into topshop to purchase a coat and the member of staff behind the counter asked if i wanted a store card with them, when i asked about it all the guy would tell me about the card is that i would get 25% off my coat if i opened an account there and then, and that i couldnt pay off my balance once id paid for the my coat as i had to wait for my card to come through the post. so i opened the account and paid the balance straight off when the card arrived in the... (read more)
★☆☆☆☆
“I understand that I am responsible for my own credit -...”
Written on: 12/01/2008 by jennx
I understand that I am responsible for my own credit - but looking back now I really wished that I would have said no to the card - and I don't think that shop assistants should offer the card so easily - I think that they should promote the product in different ways and allow people to make a more informed choice - especially where the apr is at. (read more)
★★★★★
“Although staff should give the customer a general...”
Written on: 10/12/2007
Although staff should give the customer a general description of the accounts charges and payments - it is not up to staff in store to remind a customer they have to pay their card balance in full every month and if they don't they will be charged interest. Topshop now has one of the lowest apr rates on the high street. The staff are fully trained on how to sell accounts but not about the accounts. (read more)
☆☆☆☆☆
“I've had my topshop card for almost 2 years, but i've...”
Written on: 07/12/2007 by angelictears
I've had my topshop card for almost 2 years, but i've only used it twice, the first i bought a shirt but then i had to return it because it wasn't the right size, i returned my item and was given a full refund however, even though it was still within the date of the statement they continued to charge me and then put me down as a late payment, Second time i got some trousers via the internet, i returned these as they were to big they sent out my statement but no letter to say that they got my... (read more)
☆☆☆☆☆
“I was given the Topshop store card when I was 17 and...”
Written on: 28/06/2007 by sistypie (1 review written)
I was given the Topshop store card when I was 17 and it should not have been issued until I was 18. I didn't actually fill out the form personally, it was a young man at the till.
My date of birth was incorrectly put in as 1985 and I was born 1986, so when I phoned up to pay its impossible to do so as I fail the security questions.
(read more)
★★★☆☆
“I managed well for a while with my Topshop card, but...”
Written on: 01/05/2007 by Suziewuzie
I managed well for a while with my Topshop card, but am now really struggling with it.
As I said in the 'bad points' I can't pay my bill over the phone, I have to go in store and pay for it. These payments take about 7 days to register, so a lot of the time my payments are received late and I'm charged £12, on top of that payment.
The card is a good idea IF you are able to stay on top of it, I thought I'd be able to because I was lured in by the "£4 a month" payments, but doing it that...
(read more)
☆☆☆☆☆
“Do not be tempted by this. It is a credit card, their...”
Written on: 15/03/2007 by sherbitlemon (1 review written)
Do not be tempted by this. It is a credit card, their sales people do not tell you the full story. (read more)
★★☆☆☆
“Topshop use promotional discounts to lure naive, often...”
Written on: 12/02/2007 by Jodielee (1 review written)
Topshop use promotional discounts to lure naive, often young girls into getting a store card, and they fail to properly impress upon you the value of paying off the total balance monthly to avoid the high interest rate charges. (read more)
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Guest's Comment
Written on: 27/07/2012
I can't remember when I got persauded to get the topshop card ( it was at least a year ago) and I have been unable to register online too, and they can't tell you instore how much you have left on your account and (if I remember correctly) they couldn't tell me when I tried making a payment over the phone :@. Luckily I had only made one purchase and still had the receipt so I paid it off in full, but since then I've never bothered to use the card as it's too much hassle.
However, now I've learned that there is a dormancy fee (although when I asked the lady who was getting me to sign up for it, if there was any fees for not using the card she explicilty said there wasn't) I don't kbnow whether I should just go buy something before I cancel it, since I haven't used it for at least a year, but then I have another problem as there is no longer a topshop near me as it closed down. Absolute nightmare!