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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.32 (863 reviews)

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1.32

Based on 863 reviews, last reviewed 20th Feb 2025

No new 5 star reviews

in the past 90 days

40% decrease in 1 star reviews

in the past 90 days

88%

Latest highest rating:

5

Customer satisfaction They are vgery focussed and always go the extra step to ensure we are happy Reviewed on: 24th August 2024

Latest lowest rating:

1

Ever since NewDay took over it has been chaos. Ever since NewDay took over it has been chaos. This happens frequently. I receive messages stating my bill was not paid on time, when it was.. All fi... Read more Reviewed on: 20th February 2025

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About this product

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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John Lewis Partnership Card reviews (863)

There are no stars, but had to put one, reluctantly.

Having had a Partnership card for nearly 20 years with a £17000 credit limit, I have been issued with a new card issued by Newday, (who are not an actual bank) with a reduced credit limit. This has also reduced my 999 credit score to 987. Like so many long standing and loyal customers of John Lewis I have therefore cancelled my account and am appalled how John Lewis can disregard so many of us. This would never had have happened on Andy Street's watch who had Customer Service run through his veins. Reviewed on: 5th October 2022

A complete and utter waste of time and effort

John Lewis has been on a downward spiral for some years now and this New Day credit card is helping them continue the process. This new credit card gave me a credit limit of less than 8% of the one being withdrawn making it useless. Talking to their telephone operator was pointless and having waited more than 30 minutes to log a complaint (the operator's suggestion) and all I heard was the usual garbage of there being an exceptionally large number of calls but no Human Being answered . I tried again and wasted my time with a New Day Robot asking for the card number over and over again. Then of course there is the John Lewis complaint procedure that has been moved to the Carribean where it is so difficult to even understand the operator at all. I was given a number for the UK but ended back in the Carribean again to be told that I should try again and hopefully I will be lucky. John Lewis please please please wind your retail operations up and put us all out of our misery and then perhaps some new operation can emerge that might offer new a never being knowingly undersold slogan with genuine customer support and not a hopeless automaton that you think, quite incorrectly, are mankind's salvation. Finally the card from New Day sent to me: I shall not bother to activate it despite of all those emails asking me to. Reviewed on: 5th October 2022

Accepted ,no card

After much frustration Finally sorted out transferring to new account after giving up on the phone and on line and eventually going into a store. That was over a month ago received pin nos immediately but still no card ,can’t get through on phone , am now applying for M and S instead Reviewed on: 5th October 2022

Partnership Card debacle

After reading the reviews and having experience of New Day in the past I have mad a decision to cease doing business with John Lewis Finance and move my business to M&S. Interestingly M&S card services are provided by HSBC and my customer service experience was flawless - I didn't receive a confirmation email for my application so I contacted M&S (HSBC) and they resolved it within minutes, acceptance email sent and signed all within a few minutes of calling, oh and no 45 minute wait either! New Day are sub-prime specialists (credit builders) and I suspect the way they finance their financial commitments is not the same as major well funded banks. I work in finance, so I suspect their credit capabilities are based on what they can leverage from the markets - which may explain the reduced credit limits as they simply can't underwrite that volume of debt. It also explains their reduced interest free period as they need the cash flow to fund their markeet exposure. Is this really the kind of business JLP wants to be associated with? Anyway I'm looking forward to a long and rewarding relationship with M&S now. Reviewed on: 5th October 2022

Very unfaithful with customer

They closed the old credit card for odd reason but refused their existing customer to have the new one card despite of having good credit with them. Very disappointed Reviewed on: 4th October 2022

Time to do a Truss turnaround JL

The above one-star review relates only to the fiasco of applying for the new card. In fact my own application sailed through without a hitch, but my husband was refused in spite of much discussion with New Day. I then received an email from JL congratulating me on having been successful. The gall of it. In view of the comments from other users on this site, I doubt I shall use the card when it finally arrives. Reviewed on: 4th October 2022

New JL credit card

Had my old card for around 15 years, always paid on time and have great credit rating. Applied for and received new card but queried the new credit limit of £250 (versus my old limited of over £6k !!) just received letter to say my complaint has been rejected and the £250 stands ! Sorry JL but that’s not even enough to do my sainsburys shop ! So I’m off and can’t even be bothered to activate my new card . Think you will come to regret this decision, all you seem to have achieved is to alienate your loyal customer base….. so long ….. Reviewed on: 3rd October 2022

Shame on you. Loyal customer, perfect pay history, credit limit slashed

High earner, long standing customer, regularly spending 10k or more per month on the card and paying off in full. Processed the new application with code provided and got credit limit slashed by 90% to a fraction of typical monthly spend. Pressed cancel and applied online for Amex card. Accepted in seconds with a credit limit more than double the previous JLP limit, plus loads of extra benefits and services besides. Bye, bye JLP & Waitrose. There’s plenty of alternatives out there. Your loss their gain. Shame on you for teaming up with such a low quality company. It’s clear from all these reviews they are not interested in better credit-rated customers who spend a lot of money and pay off their balance, but only those who pay interest, even encouraging payment of the minimum amount which financially costs those customers the most. That will come home to roost when they realise the amount of money spent is a fraction of the amount that HSBC processed (and John Lewis see their sales tumble too) whilst lower credit quality loans are the first to default in a recession- which is looming fast. Reviewed on: 3rd October 2022

This is specifically about the new JL credit card - not JL in general. And it's pants.

It's a mess. If you want to keep your rewards going, you have to switch to this card provided by 'New Day'. As many others have remarked, the website is set up to encourage you only to pay a minimum amount, and thus pay interest. Which, of course, is how credit card companies earn their money, but this is pretty blatant. The website is also inaccurate, and frequently impossible to login. I paid the full amount of my first statement balance; three days later I got an email telling me I had to pay £5 within 6 days. No explanation. I wish I had not taken out this new card, and I will stop using it. I'm really surprised and disappointed at John Lewis getting into bed with such an outfit. Reviewed on: 3rd October 2022

Ageism is illegal

Ageism is illegal around the modern world. But it seems NewDay and John Lewis will take their chances with the law and the Financial Ombudsman. I've written for clarification of my interpretation of the NewDay approach to "responsible lending". At 60+ and now retired since first having the JLP card for many years I'm now surplus to requirements. I have a 999 credit rating and a good pension. I've been refused the replacement card by NewDay. Whereas my son who's in his first low paid job with no real credit history was successful and had his credit limit tripled without even asking. Actually to a level he could never pay back. NewDay are irresponsible lenders and either by design or stupidity have discriminated against aged JLP customers, who will take it personally and not return. In my written exchanges with John Lewis and NewDay, they have both avoided a response with any reference to Ageism. I've made a formal complaint to the Financial Ombudsman as it is illegal to knowingly or indirectly act in a way that financially discriminates. The outcry on t'internet is palpable. This is John Lewis's "Ratners" moment and they appear to have a new slogan... Never Knowingly Going Under. I feel for the "partners". I would bet that JLP will not recover their current staggering seasonal debt by this Christmas and January sales as normal for the sector. Watch this space. I'd guess Dame Sharon White will be needing to take dramatic action early 2023. Clearly the crucial strategy of customer retention doesn't appeal. Reviewed on: 3rd October 2022

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