Topshop Store Card Reviews
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From 7 ratings and 18 reviews
28% of users recommend this product
Summary
Average Ratings for Topshop Store Card
- Ease Of Making A Payment
- Customer Service
- Value for Money
- Reviewer Ratings
- Overall Rating
18 Reviews For Topshop Store Card
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Guest 7th Jul 2009
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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.
- Read Guest's full review and ratings (215 words)
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bluejaykay 10th Jun 2009
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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 ...- Read bluejaykay's review (307 words and 1 comment)
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Guest 17th May 2009
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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.- Read Guest's review (85 words)
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Guest 4th Apr 2009
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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 =)- Read Guest's review (34 words)
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Guest 29th Dec 2008
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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.- Read Guest's review (100 words)
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stellaps 9th Dec 2008
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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 ...- Read stellaps's review (149 words)
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Guest 10th Oct 2008
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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.- Read Guest's review (80 words)
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hshh 11th Jul 2008
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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 ...- Read hshh's review (289 words)
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Guest 28th Mar 2008
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They make it really hard for you to pay it off, even finding the number to phone is a mission!- Read Guest's review (20 words)
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jensullivan1 23rd Feb 2008
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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 ...- Read jensullivan1's review (116 words)
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gpreshaw
9th Feb 2008
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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 ...- Read gpreshaw's review (308 words)
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jennx 12th Jan 2008
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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.- Read jennx's review (78 words)
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Guest 10th Dec 2007
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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.- Read Guest's review (76 words)
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angelictears 7th Dec 2007
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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 ...- Read angelictears's review (176 words)
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sistypie 28th Jun 2007
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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.- Read sistypie's review (88 words)
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Suziewuzie 1st May 2007
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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 ...- Read Suziewuzie's review (230 words)
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sherbitlemon 15th Mar 2007
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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.- Read sherbitlemon's review (45 words)
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Jodielee's review has yet to be rated - Be the first!
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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.- Read Jodielee's review (82 words)
Web Links
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Topshop Store Card Review - Store Cards. Review of 232456
Topshop Store Card in Store Cards / Credit and Debit Cards reviews at Review Centre. Review of 232456 ... Jodielee's Review of Topshop Store Card ... Top Store Cards
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Topshop Store Card Review in Store Cards at Review Centre
Read Trusted and Unbiased reviews of Topshop Store Card in Store Cards Compare Topshop Store Card in Credit and Debit Cards at Review Centre. ... Topshop Store Card Review - Store Cards.
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TOPSHOP CHOPS STORE CARD INTEREST CHARGES - mirror.co.uk
FASHION chains Topshop and Topman have cut the average interest charge on their store cards from 29.9 to 19.9 per cent. ... The new charge is below the average store card rate of 24.8 per cent,
www.mirror.co.uk -
Store Cards: Play with the devil and win...
Many store cards have special store card holder evenings and offers, a bit like a membership club. And there's nothing wrong with keeping a store card just for this. ... Topman and Topshop
www. moneysavingexpert .com -
store card charges - ge capital - The Consumer Forums
JMio Vs GE Capital (Burtons Store Card) JMio Store Cards 6 9th October 2006 12:32 ... Capital One and Topshop store card. carlih1 Capital One 1 12th January 2006 17:54
www. consumeractiongroup .co.uk -
Money News: Shoppers to be compensated in store-card cover crackdown -
Tens of thousands of shoppers could be in line for compensation after GE Capital Bank, the company behind the high-street store cards offered by retailers such as Debenhams and Topshop, was fined ...
www. independent .co.uk -
House Of Fraser Store Card : Read reviews and compare prices at Ciao
SHOPPING >Finance > Banking & Personal Finance > Store Charge Cards > House Of Fraser Store Card ... House Of Fraser 29.3%, Topshop 28%. Other benefits of the Argos cards are that they are nearly
www.ciao.co.uk -
Store card users pay 'extortionate' interest - Times Online
Most major retailers, including TopShop, Argos, B&Q and Selfridges, offer store cards. ... For some people a store card can be a good way of starting a credit history of responsible money management.?
www. timesonline .co.uk -
Refunds for store card holders | This is Money
Cards from Debenhams, Mothercare, Miss Selfridge, TopShop, B&Q, Asda and others were sold ... REFUND? Debenhams store card holders are just a few of the many who could be in line for PPI refunds
www. thisismoney .co.uk -
WARNING: Store card rip offs | The Sun |News|Sun Money
IF you really cannot pay outright for your Christmas shopping, resisting the urge to use store cards will save your New Years money hangover. ... To find a low-interest credit card,
www.thesun.co.uk












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