I agree I've never been able to access this account online, however I do get a monthly statement so its never really been too much of an issue! I just make a transfer direct from my bank account each month, which is easy to keep track of. I use this card for buying from the topshop website, as I always buy 2 sizes and send one back, then pay for what ive actually kept, that way I dont have to wait for the refund to go back into my account each time. The APR isnt too high compared to other storecards and aslong as you pay it off in full each month that doesnt really matter! Never had a problem with this card.

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.