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Richard Denning

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Review of the John Lewis, Partnership credit card:

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DREADFUL. It has THE Lowest Payback time on the market.

It has THE Lowest Payback time on the market. Most credit cards are "up to 49 days", which in practice means "a minimum of 19 days" (as you take off one month to get the minimum) between a statement being generated and payment being due. NewDay (which is who John Lewis credit card foolishly use) are absolutely DIRE. They have a payment period of "up to 45 days", which is practise means "a minimum of 15 days", BUT (and they tell you that this is a GOOD thing!!!), they take the payment 6 days early, so you have just NINE days to pay!!!. So you can go away on a two week holiday with nothing due, and come back to find you've missed the final date for the payment. John Lewis USED to run their credit card themselves, and it was quite good, but now they have shipped it off to NewDay, AVOID THE JOHN LEWIS CARD LIKE THE PLAGUE. Please note. There is nothing wrong with John Lewis as a SHOP. In fact,. I'd recommend them. But avoid their awful credit card like it's leprocy. Get ANYONE else's. Lloyds, Nationwide, Santander. Doesn't matter. They are ALL much better. Reviewed on: 15th October 2026

Review of the Sainsburys Bank, Nectar credit card (discontinued):

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Nectar Card - It's DISCRIMINATION

Having shopped in Sainsbury's for 30 years, and with 10s of thousands of points on my nectar card, I am told that "The double up offer is by invitation only, the computer sends out random emails, and you may or may not get invited". I haven't been. Great. So someone who pops in occasionally gets invited, and I get NOTHING for my 30 years of loyalty. What a stupid system of blatant discrimination that is. Since it's clear that Sainsbury's don't value me as a customer, I won't be shopping in Sainsbury's again unless I get the invitation. Reviewed on: 22nd November 2023

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