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John Lewis Partnership Card Reviews

Ratings based on 136 reviews Last review 2 days ago

Read our John Lewis Finance Partnership Card reviews to help you to find out about the pros and cons of taking out the Partnership credit card. What kind of features does the John Lewis Partnership card have? What do people think of John Lewis'...

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Read our John Lewis Finance Partnership Card reviews to help you to find out about the pros and cons of taking out the Partnership credit card. What kind of features does the John Lewis Partnership card have? What do people think of John Lewis' customer service? Does the card have great benefits? Find out more about the Partnership card by reading our reviews from the Smart Money People community - people like you. You can also write your own John Lewis Partnership Card review to share your own experiences.

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Your Partnership Card Reviews (136)

22nd July 2018

John Lewis Partnership Card - worst card I have ever used

Keeps getting declined for no reason, meaning I have to waste my time phoning them up and getting it unblocked. Don't have this problem with any other cards I use. Constant aggravation. I would have dumped it ages ago but the wife won't let me...

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Keeps getting declined for no reason, meaning I have to waste my time phoning them up and getting it unblocked. Don't have this problem with any other cards I use. Constant aggravation. I would have dumped it ages ago but the wife won't let me because she gets the vouchers.

13th July 2018

incompatible with modern banking services

This is a warning for JL partnership card holders – they are incapable of dealing with modern technology and freedom of choice to move accounts. I was told this by their own customer services- “we are behind in our direct debit department and are wor...

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This is a warning for JL partnership card holders – they are incapable of dealing with modern technology and freedom of choice to move accounts. I was told this by their own customer services- “we are behind in our direct debit department and are working on it”
It was when I received the warning demand for immediate payment, with the overdue amount from what should have been paid by DD end of June, plus 2 lots of penalties costing almost £50 that I realised my direct debit was not correctly switched in spite of the Barclays letter “congratulations, your account is now set up and all your direct debits are in place” letter of the previous 16th June.
After a 60 minute phone call with Barclays it transpires that JL Partnership services had attempted to set up the direct debit on the day they also tried to take the payment, and Barclays duly cancelled the DD because they said there should be at least 4 working days before withdrawals are permitted. So, JL Partnership had “sat” on the details issued to them at the start of June, until they realised they needed it in place to withdraw payment.
Another 1 hour phone call, this time to JL Partnership, and still no apology from them. In fact they maintained they did not know of the four working days requirement. To top it all, the only way to re establish a direct debit for me now is to complete a paper form which they had to post to me, send it back, and wait 4 to 6 weeks for it to be set up.
So, it seems JL Partnership card services are incompatible with the banks willingness to urge us to consider switching banks and accounts, in spite of the signed instrucitons we provide to the new bank to “do it all for us”.
While I wait for an explanation and apology from JL Partnership services, I have received 2 chasers by post for payment even though I paid over the phone the day the threatening letter arrived at the beginning of the week. And I couldn’t use it even after I had settled the payment.
Sorry John Lewis but this is not good enough

15th June 2018

Waiting 5 months for a refund of a cancelled order. Several phone calls. Served last Tuesday instore by a floor manager (no assistants in sight) who had no charisma - no thankyous or pleases and I was spending over £100.

Waiting 5 months for a refund of a cancelled order. Several phone calls. Served last Tuesday instore by a floor manager (no assistants in sight) who had no charisma - no thankyous or pleases and I was spending over £100.

3rd June 2018

A card for all reasons

I spend a lot on my credit cards and pay them off monthly and wasn't getting any sort of perk so I have switched to a John Lewis Partnership card because now I will at least get some vouchers which I will save for Christmas or hand over to my costly...

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I spend a lot on my credit cards and pay them off monthly and wasn't getting any sort of perk so I have switched to a John Lewis Partnership card because now I will at least get some vouchers which I will save for Christmas or hand over to my costly daughters for setting up home.

9th April 2018

Good cashback, but poor customer service

The card gives good cashback, but the credit limit I was given is ludicrously low (only £3500, when I have other cards in five figures) and if I pay of part of the month's spending in advance they deduct that from my monthly direct debit, leaving me ...

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The card gives good cashback, but the credit limit I was given is ludicrously low (only £3500, when I have other cards in five figures) and if I pay of part of the month's spending in advance they deduct that from my monthly direct debit, leaving me with less leeway than I had anticipated. I want to clear the card every month in order to start the next month with a full £3500 available to me, but they make it difficult to do that!

19th March 2018

Almost hilarious how appalling this company is ...

I was sent a promotional leaflet for this card (I shop in Waitrose several times a week). I thought I would apply - I like Waitrose and John Lewis. I tried 5 times to apply online - apparently they had problems. They recommended I 'guess' where the...

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I was sent a promotional leaflet for this card (I shop in Waitrose several times a week). I thought I would apply - I like Waitrose and John Lewis. I tried 5 times to apply online - apparently they had problems. They recommended I 'guess' where the tick box was on the web page and try to tick it to accept the t&c's! In the end I telephoned them and applied that way.
That was on 14 February 2018. It is now 19 March 2018 and they've just sent me an email saying they've processed the application! I can't access the decision online because I can no longer remember my 'memorable word'! As a result I called - my application is apparently approved (not a surprise). But because I can't remember my memorable word, the only option is for them to send me a legal agreement ... by post!
I can't imagine what they have by way of IT facility - but it's truly shocking. I thought Nat West were bad. And they are. But this lot are actually a laughing stock! John Lewis, you are in serious reputational danger.

26th February 2018

Issued resolved ...............

After 42 days and 6 attempts/requests/staff intervention for a replacement card....

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After 42 days and 6 attempts/requests/staff intervention for a replacement card.

Adequate compensation given and points added for “lost” shopping.

Still be wary though of 0% offers, read the t and c’s carefully and avoid a secondary issue I encountered.

If you have to similar interests rates runnng on the card JL deduct your payments from the oldest first.

Eg, I took out an introductory 0% 18 month balance transfer and then made purchases using the 9 month 0% deal for new customers. It was only when I started making payments to them that I noticed only the longer 18 month deal balance was falling. On reading the conditions, I soon found out why.

LESSON: do not take out a balance transfer as a new customer and then shop with the card, also on the same interest rate. My 18 month deal, has effectively become on 9 months now, if I wish to avoid charges, lucky I didn’t take out anything near the maximum balance transfer my credit limit would allow.

John Lewis have been very underhand in my opinion even offering this combined deal, without any warning of the consequences of using the card, firstly to transfer a balance and then shop with the card.

If I had say, transferred £5000, on the 18 month deal, then shopped another £4000, on the 9 month deal, I would be expecting, as I made payments into the account, for the shopping spend to fall first as it was on a lesser “time” deal. Instead, to avoid any charges, I would have needed to repay the full £9000 in 9 months!!! as the balance transfer is the “older” and therefore takes your payments first.

What a con, regardless in the t and c’s!!!!!!!!!!!

19th February 2018

I would also check out "trust pilot" reviews!!!!

What a shambles of a...

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What a shambles of a company!

Do not apply for this card if (a) you might loose your card, (b) have an apostrophe in your name, and (c) want to take advantage of the 0% balance transfer deal and use the card for purchases using an introductory 0% deal.

I lost my card, it is now 6 weeks later and still no replacement. Their system has been unable to work out how to send out a replacement because it does not recognise “apostrophes”. Many, many calls and promises that the fault has now been understood and overcome, but still no card. How I got the original card I do not know.

I took advantage of a 0% 18 month balance transfer deal and then made purchases using the introductory 0% 9 month on purchases deal. I had not understood how the deals sat with each other until I discovered that if you have similar interest rates, then the older one gets paid off first. So as I made monthly payments, only the older balance transfer total was being reduced.

John Lewis have been deducting credits from the 18 month deal first, as I took this out first. Therefore in practice, as soon as I made a purchase my 18 month deal fell to 9 months. My fault for not reading the t and c’s fully, but who does. They should make this situation much clearer.

I took a £1000 balance transfer and then spent £1500 on the card, meaning now I have to pay off the full amount in 9 months, if I wish to avoid any charges. What a total con! Lucky I didn’t take a larger balance transfer.

PS : It is now 40 days, and still no new card, no one in this company seems to know what they are doing.

23rd November 2017

Still no app!

I used to use this card as my main credit card, but keeping on top of spend and statements isn't as easy as it is with other cards - because there is STILL no app. Have asked several times and each time I'm told it's "on its way". Two years later -...

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I used to use this card as my main credit card, but keeping on top of spend and statements isn't as easy as it is with other cards - because there is STILL no app. Have asked several times and each time I'm told it's "on its way". Two years later - nothing

7th November 2017

Long winded and inefficient

Having been advised in store to get a card and save on a major purchase, we waited for over two hours. They did give us a cup of tea and a piece of cake...

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Having been advised in store to get a card and save on a major purchase, we waited for over two hours. They did give us a cup of tea and a piece of cake though.
Once I had the card they failed to send me a statement which I was eager to receive and pay off. Having made a series of phone calls and been given conflicting information I was eventually allowed to pay the full amount and two days later I received the outstanding balance saying the full amount was due. More telephone calls, more incorrect information. Eventually everything was sorted but I don’t think I’ll be using the John Lewis card again, any time soon.

6th September 2017

Good Rewards.. poor customer service

Good rewards, although the £20 incentive voucher they offered to sign up never materialized. Online customer service appalling. I contacted them the see if the direct debit had been set up, they confirmed it had, it didn't get taken out the next ...

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Good rewards, although the £20 incentive voucher they offered to sign up never materialized. Online customer service appalling. I contacted them the see if the direct debit had been set up, they confirmed it had, it didn't get taken out the next month, then they said it had never been set up, I sent the paperwork off for the second time, then over a month later was charged £11 for late payment, as the direct debit still hadn't been set up. When this was questioned, the response was along the lines of, this isn't probably the response you hoped for, but the DD hadn't yet gone through and therefore you were late in paying hence the fee. In addition, we've been asking about Apple Pay since taking the card, and the response is a continual 'we're working on it'. When I asked in store, the employee said they don't have any plans to accept or roll out Apple Pay with the partnership card.

1st August 2017

Good rewards, dreadful website & no Apple Pay or App

After using this card regularly for several years I've started to seriously question whether to look elsewhere. The rewards in John Lewis vouchers are half what they were when I signed up, but are to date still the main reason I have stayed. However...

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After using this card regularly for several years I've started to seriously question whether to look elsewhere. The rewards in John Lewis vouchers are half what they were when I signed up, but are to date still the main reason I have stayed. However the promised Apple Pay & Apps have seen launch dates come and go for over 12 months.To add one more nail to this coffin I also wonder if the website security is the reason I had 2 apparent attempts at fraudulent activity on my account earlier this year. These were resolved, but did take a lot of time.

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