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Average Ratings
Ease Of Making A Payment5.3/10 Based on 6 ratings
Customer Service3.8/10 Based on 6 ratings
Value for Money2.3/10
Reviewer Rating2.4/10
Overall Rating3/10 Based on 19 ratings
17% Recommended2 out of 12 Reviews
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12- Topshop Store Card Reviews

  • Full review by
    Guest.
    on 10th Oct 2008


    User Rating : 1
    Respect : 0

    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.
    Guest.'s review and ratings
    | 80 words

  • Review by
    hshh
    on 11th Jul 2008


    User Rating : 0
    Respect : 0

    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 ...
    hshh's full review
    | 289 words

  • Review by
    Guest.
    on 28th Mar 2008


    User Rating : 1
    Respect : 0

    They make it really hard for you to pay it off, even finding the number to phone is a mission!
    Guest.'s full review
    | 20 words

  • Review by
    jensullivan1
    on 23rd Feb 2008


    User Rating : 8
    Respect : 0

    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 ...
    jensullivan1's full review
    | 116 words

  • Review by
    gpreshaw Rank: Sergeant
    on 9th Feb 2008


    User Rating : 0
    Respect : 0

    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 ...
    gpreshaw's full review
    | 308 words

  • Review by
    jennx
    on 12th Jan 2008


    User Rating : 1
    Respect : 0

    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.
    jennx's full review
    | 78 words

  • Review by
    Guest.
    on 10th Dec 2007


    User Rating : 10
    Respect : 0

    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.
    Guest.'s full review
    | 76 words

  • Review by
    angelictears
    on 7th Dec 2007


    User Rating : 0
    Respect : 0

    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 ...
    angelictears's full review
    | 176 words

  • Review by
    sistypie
    on 28th Jun 2007


    User Rating : 0
    Respect : 0

    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.
    sistypie's full review
    | 88 words

  • Review by
    Suziewuzie
    on 1st May 2007


    User Rating : 5
    Respect : 0

    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 ...
    Suziewuzie's full review
    | 230 words

  • Review by
    sherbitlemon
    on 15th Mar 2007


    User Rating : 0
    Respect : 0

    Do not be tempted by this. It is a credit card, their sales people do not tell you the full story.
    sherbitlemon's full review
    | 45 words

  • Review by
    Jodielee Rank: Lance Corporal
    on 12th Feb 2007


    User Rating : 3
    Respect : 0

    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.
    Jodielee's full review
    | 82 words


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Store card providers must love debt illiterate youngsters: they're an easy target and often spend on these cards without understanding how to manage them, racking up expensive, ill-afforded debts.

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Store card users pay 'extortionate' interest
Most major retailers, including TopShop, Argos, B&Q and Selfridges, offer store cards.

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Refunds for store card holders | This is Money
Holders of store cards from most leading High Street retailers could be in line for compensation after a card company was fined£610,000...

www. thisismoney .co.uk
Debt fear may push UK store card giant out | This is Money
The Competition Commission has now made it compulsory for store cards with a higher than 25% annual percentage rate to warn card holders that they might find cheaper credit elsewhere.

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warehouse store card in The AnswerBank: Shopping
Does anyone know if the warehouse store card is limited to use in warehouse?? I only ask because topshop cards can be used in dorothy perkins, miss selfridge etc. Thanks in advance!

www. theanswerbank .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 finedĀ ...

www. independent .co.uk
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