Topshop Store Card Reviews

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Topshop Store Card
1.7 stars
Average rating for this product is: 1.7 out of 5

From 7 ratings and 18 reviews

Thumb down 28% of users recommend this product

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LenderBalance Transfer RateBalance Transfer DurationPurchase RatePurchase DurationAPR  
Sainsbury's Credit Card0.00%10 months10 months 3.00% or £3.00 fee10 months15.90%
AA Credit Card0.00%until 12/10until 12/10 2.99% or £3.00 feeuntil 12/1016.90%
BT Retail Card0.00%10 months6 months 3.00% or £3.00 fee10 months16.90%

Summary

Compare the Topshop Store Card today. Whether you are looking for a great interest rate or discounts off purchase, why not read or write reviews on the advantages and disadvantages of holding this card. Make comments and help others and yourself to shop around for the best store card avaiable.

Average Ratings for Topshop Store Card

  • Ease Of Making A Payment2.5 stars
  • Customer Service2 stars
  • Value for Money1.8 stars
  • Reviewer Ratings1.6 stars
  • Overall Rating1.8 stars

18 Reviews For Topshop Store Card

  • Guest 7th Jul 2009

    Reviewer rating: 4.5 stars


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    Good Points: Lots of discounts throughout the year, plus 10% off in the first week of the sale. shopping cover has been good for stuff that i bought that went down in the sale - i got the money back! Also unlike some of the comments here i've found it really easy to make payments - you can pay it off in any of the stores under arcadia (Topshop, Topman, Miss Selfridge, Dorothy Perkins, Burton, Evans, Wallis or Bhs), or set up a DD to avoid expensive phone calls


    Bad Points: High charges if you forget a payment, but you can set up a direct debit (which is what I did)


    General comments: 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 to clear a payment so that I didn't get stuck with extra charges.

  • bluejaykay 10th Jun 2009

    Reviewer rating: 0 stars


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    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 receipt ...

  • Guest 17th May 2009

    Reviewer rating: 1.5 stars


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    Difficult customer service at Topshop Store Card, hard to get through too, as the automated service keeps saying the information is wrong.

  • Guest 4th Apr 2009

    Reviewer rating: 5 stars


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    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 =)

  • Guest 29th Dec 2008

    Reviewer rating: 3.5 stars


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    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.

  • stellaps 9th Dec 2008

    Reviewer rating: 0.5 stars


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    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, d ...

  • Guest 10th Oct 2008

    Reviewer rating: 0.5 stars


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    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.

  • hshh 11th Jul 2008

    Reviewer rating: 0 stars


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    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 to p ...

  • Guest 28th Mar 2008

    Reviewer rating: 0.5 stars


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    They make it really hard for you to pay it off, even finding the number to phone is a mission!

  • jensullivan1 23rd Feb 2008

    Reviewer rating: 4 stars


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    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 ...

  • gpreshaw Rank: Sergeant 9th Feb 2008

    Reviewer rating: 0 stars


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    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 post, b ...

  • jennx 12th Jan 2008

    Reviewer rating: 0.5 stars


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    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.

  • Guest 10th Dec 2007

    Reviewer rating: 5 stars


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    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.

  • angelictears 7th Dec 2007

    Reviewer rating: 0 stars


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    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 ret ...

  • sistypie 28th Jun 2007

    Reviewer rating: 0 stars


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    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.

  • Suziewuzie 1st May 2007

    Reviewer rating: 2.5 stars


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    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 doi ...

  • sherbitlemon 15th Mar 2007

    Reviewer rating: 0 stars


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    Do not be tempted by this. It is a credit card, their sales people do not tell you the full story.

  • Jodielee Rank: Lance Corporal 12th Feb 2007

    Reviewer rating: 1.5 stars


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    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.