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John Lewis Partnership Card Reviews

Ratings based on 129 reviews Last review 2 weeks 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 (129)

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.

26th July 2017

No Apple Pay but good rewards.

Very happy with my JL card over the years, but surely no excuse for them dragging their heels and missing their stated targets for introducing Apple Pay. Come on JL - we're in the Digital Age and you're not keeping up, and not providing this popular...

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Very happy with my JL card over the years, but surely no excuse for them dragging their heels and missing their stated targets for introducing Apple Pay. Come on JL - we're in the Digital Age and you're not keeping up, and not providing this popular service to your customers.

19th June 2017

great rewards on this card

We love putting our spending on this credit card because we pay it off each month and benefit from the points which get converted to john lewis vouchers which i then use at waitrose for my groceries. It's almost like getting cash back. Service has...

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We love putting our spending on this credit card because we pay it off each month and benefit from the points which get converted to john lewis vouchers which i then use at waitrose for my groceries. It's almost like getting cash back. Service has always been pretty good. Once struggled to get through on phone but once you speak to them they are helpful.

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