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Review of the John Lewis, Partnership Card:

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Switch to Newday?

Having decided to apply for a 'Newday' Partnership Card, I assumed I would be just transfering my account over to the lender. I was advised by JLPC customer services that I would actually have to make a new application. OK I thought. I went through the process only to be have my application declined. I was taken aback to say the least. I was advised by Newday that I may have incorrectly filled in my application form, even suggesting that I may have inadvertantly understated my income! I contacted JLPC services again, and after waiting for 20 minutes before I reached a human being, I was put through to the underwriting team who then confirmed I had filled in the form correctly! What's going on then? I have had the JLPC for over 25 years, and have always paid off the balance every month. Effectively I use it as a charge card, not a credit card - and there's the rub I think. Newday will make no money out of me, as they wont be able to charge excessive interest for a credit balance. That I have a 999 score on Experian is not relevant, they simply dont want me as a customer. Well done John Lewis! Reviewed on: 23rd October 2022

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