Why is there a charge on my credit card?

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Why do i get charged interest on my credit card

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Why do i get charged interest on my credit card

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Why do I get charged for card payments?

By This Is Money 11:00 BST 24 Sep 2010, updated 15:29 BST 28 Sep 2010

Why do I get charged for card payments?

Ever wonder why small businesses such as local stores and pubs charge? Why do some ATMs charge a fee? Lee Boyce investigates

Why do i get charged interest on my credit card

Card payments: That'll be a £1 charge for those drinks

I went to my local pub last night for a couple of drinks with close friends.

When I went to pay for a round, I realised I had no cash on me, so went to pay by Visa debit card.

The barman said: 'there's a one pound charge to use your card in here.' I asked why and he said it was just the pub's policy.

Then this morning on my way to work, I bought my lunch and a few other items from a convenience store, and paid by card – because it came to under £10, the shopkeeper said there was a 50p charge. I then went to use the in-store ATM, and that charged £2.50.

I was wondering why these establishments charge? The use of cards to make payments is gaining popularity and after all I am buying something from them, so why charge me more? C.A.

Lee Boyce, of This is Money, replies: I too find it disappointing when I hear the words 'there is a charge to pay by card in here,' if feels like throwing money down the drain.

I also feel a rage build up inside me when an ATM charges a huge amount.

If you added up all these charges merchants and ATMs collect from you over the year, I think it's fair to say it would be a fair wedge.

The theory behind smaller shops and businesses charging is the fact it costs them to make the transaction, and they pass this cost onto the consumer.

Their argument is that it is harder for them to absorb this cost than for a large business and if people do not want to pay with cash, they must pay extra.

I got in touch with Visa for a response in regards to why some small businesses charge for card use.

The Visa Europe spokesperson said: 'Visa Europe is completely opposed to the practice of surcharging. Surcharging discourages consumers from paying for goods and services in the most convenient and secure way.

'They nearly always end up paying disproportionately high fees, and sometimes they choose not to make purchases as a result. Visa Europe believes that no one wins with surcharging, not consumers, not retailers and not economies.

'Surcharging is applied by retailers, not the payments companies or banks. Although the practice is not widespread, it still has damaging effects on the perception and use of payment cards which are among the most efficient methods of payments for day-to-day transactions.

'Surcharging rarely reflects the cost of payment processing. It is an additional charge without any exchange of benefit to the consumer. '

As for ATMs that charge, the common myth is that these ATMs are placed in hard-to-reach, remote locations or in places that High Street banks don't want to place one. It often seems though that anywhere there isn't an easy to reach cash machine but a temptation to spend money, even in central London for example, one of these springs up.

Why do i get charged interest on my credit card

I contacted Bank Machine (a company that supplies ATMs to businesses).

Ron Delnevo, managing director of Bank Machine said: 'ATMs levy charges firstly if there are not enough transactions for the ATMs to be economic through receipt of interchange payments. Secondly if the high operating costs of particular sites render interchange payments inadequate to cover those costs.

'Interchange payments are those payments made by card issuers to ATM operators for the acceptance of their cards.'

The Visa spokesperson also added in regards to ATM charges: 'Bank and building society operated cash machines do not charge customers to withdraw cash.

'Banks have reciprocal agreements with one another and agree to offer each other's customers a free cash withdrawal service.

'ATMs operated by non-banks or building societies however set their own charges.

'LINK is the organisation responsible for the nation's ATM network and according to their figures, 97% ATMs offer free cash withdrawal. '

These stats mean that only 3% of ATMs in the UK do charge, but to me, that is 3% too many. And the answer on why those 3% do charge seems to be partially to cover their costs, but mainly to make money.

*More information on cash machines that charge can be found on the LINK website.


Why Is It So Hard To Cancel A Credit Card?

This post is about my experience trying to cancel a credit card with three major card issuers. Last year I took advantage of three credit card promotions to help boost my rewards. Two of the cards – American Express Gold and Scotiabank Gold American Express – had offered big welcome bonuses and waived the annual fee in the first year.

With the one-year anniversary of the Scotia card coming up this month, I made the decision to cancel the credit card before incurring the $99 annual fee for the second year. Its benefits are similar to the Scotia Momentum Visa Infinite card, so I’d prefer to funnel my core spending into just one card rather than pay an annual fee for two cards.

The American Express Gold Rewards card was a pure point churning play. The promotion paid 25,000 bonus points after spending $500 in the first three months. I put a large expense on the card and paid it off immediately; collecting the 25,000 bonus points and cashing in – never to use the card again.

The card anniversary wasn’t until August, but I thought I might as well cancel this card, too, before I forgot about it and got stuck paying $150 for a credit card that I don’t use.

Why do i get charged interest on my credit card

Cancelling an American Express credit card

I first called American Express to cancel the Gold card. The automated answering service picked up and slowly led me through a variety of voice-command optionsВ that had nothing to do with cancelling a card.

I pressed ‘0’ to speak with a representative – but that led me to a menu that didn’t exist. Finally I reached a live human being, but when I told him that I wanted to cancel my card he claimed that his system was down and that would prevent him from closing the account.

Fine. I hung up and tried again the next day. Same slow automated process. Finally, after 15 minutes of listening to how my call was important, I got through to a live representative who proceeded to try and convince me to keep the account open.

He said that, since the anniversary wasn’t due until August that I should keep the card open a little longer and call back then. Not wanting to spend another day-and-a-half trying to get through to someone who could help me, I told him to just cancel the card today and be done with it.

My experience at Scotia was a little different. A live person answered the phone right away and was empathetic with my situation. I told him that I had two rewards cards with similar benefits and that it didn’t make sense to pay an annual fee to keep both cards. He understood, but from there launched into a sales-pitch for every other credit card that Scotia offers – from the no-fee Scene Visa, to a low-interest card, to a balance transfer option.

I mentioned that I wasn’t interested in these other products because I don’t carry a balance. I’d keep the Scotia Gold American Express card if he could somehow find it in his power to waive the annual fee. He said he could do that, and so I asked him to close the account.

It had been a few years since I had to cancel a credit card, but I was reminded of the time when I cancelled my MBNA Smart Cash MasterCard and faced a litany of questions from a customer service manager who had a rebuttal for everything I said.В This happened in 2013, but the conversation is worth sharing again:

Painfully Cancelling my MBNA Smart Cash Card

MBNA: Hi, this is Jason. How may I help you?

Me: Hi Jason, I’d like to close my account please.

Jason: I’m sorry to hear that. May I ask why?

Me: Well, after the changes you’ve made to the Smart Cash card I’m no longer getting the most cash back with this card.

Jason: I understand. Okay, I’ll have to transfer you to another agent to close your account.

Me: (waits five minutes on hold)

MBNA: Hi, this is Jeff. I understand you want to close your account because you’re no longer getting the most cash back. You realize that you have the Smart Cash World card and so there’s no limit to how much cash back you can earn, right?

Me: Hi Jeff, yes I do realize this but with my spending habits I can get more cash back using the Scotia Momentum Visa Infinite card for groceries, gas and drug store purchases along with recurring bill payments.

Jeff: True, but the Scotia card is only for really high income earners.

Me: Well, you’ll need $60,000 income to qualify for the Visa Infinite card but that’s not an issue for me.

Jeff: But you’ll only get 1% cash back on the other spending categories. Why don’t you keep the Smart Cash card as your secondary card and use it for other purchases?

Me: Because I can get 1.5% cash back using the Capital One Aspire Cash World MasterCard on any spending category.

Jeff: You’ll only get 1% cash back with Cap One Aspire Cash.

Me: No, you get 1% cash back on your purchases, PLUS a 50% cash back bonus at the end of the year. So effectively you’re earning 1.5%, which beats the 1% that Smart Cash pays. I also get a $100 bonus for my first purchase.

Jeff: With the introduction of our new e-mall you’ll get more cash back when you shop online with our preferred partners. That’ll beat what you get back with Cap One Aspire Cash.

Me: I’m aware of the e-mall but I prefer to focus on my core spending. I don’t shop with a lot of your e-mall partners so the cash back you offer there doesn’t really matter.

Jeff: But with the e-mall you can earn 6-10% cash back on hotels and rental cars. That’s a lot more than you’ll get back with the other cards.

Me: We have two kids under the age of four. We don’t travel.

Jeff: So why not just keep your account open and then use the Smart Cash card on the odd occasion when you do travel?

Me: I think I’ll manage to find a good deal when the time comes. I’d just like to close my account please.

Jeff: MBNA has some of the lowest interest rates of all the rewards credit cards on the market.

Me: I don’t care about interest rates because I always pay off my credit card balance in full each month.

Jeff: I’m not sure if you’re aware, but we have a promotion where you can get 0% interest for up to 20 months. If you leave your account open I can convert your card to our MBNA Platinum Plus card so you can take advantage of this promotional rate.

Me: I don’t need a balance transfer credit card. I’m not interested in credit card arbitrage.

Jeff: Okay, but have you considered using it to take out an interest free loan to make an RRSP contribution? You won’t get a 20-month interest free RRSP loan from your bank for up to $20,000.

Me: (Pauses: that’s actually not a bad idea). No, no. I’m not interested.

Jeff: Why? Is your RRSP maxed out or something?

Me: (Damn, this guy is persistent). I’m not interested.

Jeff: If you leave your account open you’ll avoid a hit on your credit report. This could impact future credit applications.

Me: I’ve already been approved for the other credit cards so I won’t be opening any new accounts for a while. I just want to close my account please.

Jeff: (Defeated). Is there anything else we can do to convince you to stay?

Me: You could re-instate your previous cash back rewards system.

Jeff: Unfortunately the old 5%/3%/1% cash back model was not sustainable so we had to make the changes.

Me: Well, I guess that means I’ll have to make changes too.

Lessons learned on how to cancel a credit card

It’s easy to sign up for a rewards card when there are bonus points to collect and no fees to pay. But then inertia can be a powerful force – the financial services industry counts on you accepting the status quo and so when that anniversary date rolls around and you get charged $99 or $150, you figure that you might as well keep the card for another year since you’ve already “paid” for it.

I get that there are tremendous incentives for the banks and credit card issuers to get you to keep your credit card open and active. It’s why they make it so difficult to cancel a credit card – for example: there’s no option to cancel a credit card online, you have to speak with someone. Then they arm their customer service staff with a playbook of rebuttals designed to prevent you from closing your account.

The lesson for customers is to set reminders for when a product or service is about to increase in price – or a fee is about to kick-in – and then do the research to determine whether the fee is worth paying. More often it’s not, and so you need to be willing to take the time to cancel products and subscriptions that no longer add value to your life. Most businesses won’t make it easy, so you need to make more of an effort to avoid getting burned.


why do i get charged interest on my credit card

Why do i get charged interest on my credit card

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When making payments please always quote your account number, this is the 16 digit number found on the top right hand corner of your statement. You do not need to contact us to confirm receipt of payments.

You can pay your account using any one of the following methods:

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Yes. If you make only the minimum payment each month it will take you longer and cost you more to clear your balance due to incurring interest on your account.

Q. What happens if I miss a payment?

Q. Can I re-open my account if I close it?

No, if you would like a new account, please apply again.

Q. Are there any costs or charges if I decide I don’t want the card anymore?

You will not pay any costs or charges if you decide to close your account.

Q. How do I end the agreement if I decide I don’t want the card anymore?

Call Customer Services or write to us at: at NewDay Ltd, Customer Service Department, P.O Box 700, Leeds LS99 2BD

This is the maximum amount you may borrow on the account, including the cash limit, if any.

Q. How do NewDay decide my credit limit?

This is based on information obtained from your application and the outcome of the credit search performed with the credit reference agencies.

Q. Can I increase my credit limit? (Not applicable to Debenhams Staff)

You can request an increase to your credit limit and NewDay will then make an assessment to see if we consider an increase affordable for you. NewDay regularly review credit limits to make sure that customers have the credit limit that we believe is right for them. NewDay is committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with debt. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account. You can either log on to Online Account Manager or call Customer Services to request a credit limit increase.

Q. Can I decrease my credit limit?

Yes, you can ask NewDay to reduce your credit limit to any amount, provided it is not lower than your balance. In order to do this, either log on to Online Account Manager or call Customer Services. Opening hours are: Monday to Sunday 8am to 9pm, an automated service is also available Monday to Sunday 4am to 11pm.

Q. Can NewDay increase my credit limit? (Not applicable to Debenhams Staff)

NewDay regularly review credit limits to make sure that customers have a credit limit that we believe is right for them. We are committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with credit. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account.

As part of our commitment to ensure that we are lending responsibly, we conduct regular reviews of all our accounts. NewDay will provide 30 days’ notice of any change and you will have the opportunity to tell us that you do not want the increase and/or that you do not want to be considered for an increase in the future. If you do decide that you do not want the increase, we will not treat you any differently in the future.

Q. Can NewDay decrease my credit limit?

NewDay regularly review credit limits to make sure that customers have a credit limit that we believe is right for them. We are committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with credit. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account.

We may decrease your credit limit if we think that your credit limit is not right for you based on the way that you use your card, or the way that you manage your account or for any other good reason. We will let you know in advance of any decrease if we can, but this will not always be possible.

Q. What happens if I go over my credit limit?

You will be charged a £12 fee for exceeding your credit limit and this will affect your credit file and may make it more difficult for you to get credit in the future. Any over limit amounts are immediately repayable. If you have any promotional offers such as 0% interest on certain purchases, your promotion will be cancelled and you will pay the standard purchase rate.

Q. What if the credit limit offered doesn’t cover the purchases in my basket, can the remainder be paid using another credit/debit card?

Yes you are able to do this in store, but not online.

Balance Transfers (Only applicable to Credit Card)

Q. What is a Balance Transfer?

A Balance Transfer is a facility you may be offered if you are accepted for a Debenhams Credit Card. It enables you to transfer a balance held on another card(s) to your new Debenhams Credit Card.

Q. Is there a fee for Balance Transfers?

The Balance Transfer handling fee is up to 5% of the amount transferred and will be charged each time you make a transfer. NewDay will let you know the fee payable when you request a balance transfer. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you. If you exercise your right to withdraw from your credit card agreement within 14 days of receiving your card, the fee will be refunded.

Q. How can I request a Balance Transfer?

To request a Balance Transfer, your Debenhams Credit Card must be activated and you should call Customer Services on 0333 220 2518*. Please have the full details of the balances you want to transfer to hand. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

Q. How long will it take to process a Balance Transfer?

It may take up to 10 working days to complete a Balance Transfer. You should continue making monthly repayments to your existing card providers until the transfer shows on your account with them.

You can transfer any amount from £100 up to 95% of your credit limit. All or part of the balance(s) requested may be transferred subject to your credit limit and to NewDay’s approval.

Q. Can I transfer balances from a number of financial providers?

Yes, subject to approval, you can transfer balances from a number of accounts and financial providers – providing they are UK credit card/store card balances. However, you cannot transfer balances from another card provided by NewDay Ltd. All transfers are subject to NewDay’s approval.

Q. When will interest be charged on my Balance Transfer?

Interest will be charged at the end of the promotional period and we will let you know what this is before your balance transfer is processed.

Q. What happens if I miss a payment or go over limit?

If you do not make a requested payment in full and on time or if you go over limit, your Balance Transfer promotional period will end and NewDay will start to charge interest on your Balance Transfer. We will also charge a fee for missing a payment and/or going over limit.

Available for new and existing Debenhams cardholders:

0% interest for 12 months from the date of purchase on furniture and bed orders over £500 available from 2nd November 2015 to 31st January 2016 (inclusive)

0% interest for 3 months from the date of purchase on all transactions over £100 available from 24th November 2015 to 24th December 2015 (inclusive).

Q. How do I qualify for this offer?

To get 0% for 12 months, spend at least £500 (after any discounts or vouchers have been applied) in a single transaction between the dates above on your Debenhams card, in-store or online on items in the following departments:

To get 0% for 3 months, spend at least £100 (after any discounts or vouchers have been applied) in a single transaction between the dates above on your Debenhams card in store in Debenhams.

Q. What is not included in this offer?

The 0% for 12 months offer is only available when you buy furniture and beds as detailed above. It is not available for any other items.

The 0% for 3 months offer has standard exclusions which are Gift Cards, Financial Services Products (such as Travel Money), Virgin Holidays, Debenhams Flowers, Debenhams Electricals and Debenhams Curtains.

Q. How will the offer be shown on my statement?

The transaction will appear on your statement in the usual way. Balances on promotional rates will be shown on the front and back of your statement. The back of your statement will show the date that your 0% interest rate comes to an end and the interest rate that you will then pay, but please note that if you have a number of offers at promotional rates it may not show the expiry dates of all the offers, but will always show those expiring soonest.

Q. Can I make more than one purchase at 0%?

You can make as many purchases as you like, provided that they qualify as explained above and that you do not go over your credit limit.

Q. Do I have to make payments during the offer period?

Yes, you will have to make at least the minimum payment as set out in your statement each month.

Q. When does the 0% interest period end?

The 0% interest period ends 3 or 12 calendar months, (according to the offer(s) that you have) from the transaction date. At that point, the balance will be moved to your standard purchase rate and will start accruing interest at the standard purchase rate. You will be made aware of this in advance on your statement.

Q. What rate will I pay at the end of the 0% interest period?

You will pay the standard purchase rate on any remaining balance. This rate is shown on your statement.

Q. What happens if I do not make my minimum payment in full and on time or go over my credit limit?

If you do not make at least your minimum payment in full and on time or if you go over your credit limit your promotional rate will be withdrawn and you will pay the standard purchase rate on any remaining balance.

Q. What happens if I pay my balance in full each month via Direct Debit?

If you have an existing Direct Debit that pays your full statement balance each month, please note that this will mean that any balances on 0% will also be collected. If you want to change this, please speak to our Customer Service team.

Q. How do I change my payment method or Direct Debit details?

Please speak to our Customer Service team. You can change your Direct Debit to take the minimum amount due, the full statement balance, or you can set a specific payment each month as long as it is equal to or greater than the minimum due.

You will receive your Debenhams Credit Card within 10 working days of signing your credit agreement and the terms and conditions. If you are provided with a temporary card it will be available as soon as you are accepted for credit.

Q. How do I activate my card?

The main account holder must activate the Debenhams Credit Card before it can be used. You can do this by calling 0333 220 2518*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

Q. What do I do if I lose my card or it’s stolen?

As soon as you identify that your card has been lost/stolen, You should report it to us immediately on our Lost and Stolen Card Helpline. We will stop all transactions, block the card and will arrange for a replacement card to be sent to you as soon as possible.

Q. Where can I use my Debenhams Credit Card?

At over 32 million outlets worldwide, wherever the Mastercard logo is displayed.

Q. How will I know that my card is a Chip and PIN card? (Only applicable to Mastercard)

Your Debenhams Credit Card will be sent to you with accompanying information to state that it is Chip and PIN. We will also provide you with essential information about using Chip and PIN.

Q. When will I get my PIN? (Only applicable to Mastercard)

You will receive your PIN within 7 days of signing your agreement. This will be sent in the post to the billing address of your Debenhams Credit Card.

Q. How do I change my PIN? (Only applicable to Mastercard)

You can change your PIN at any cash machine displaying the Mastercard logo. Simply insert your Debenhams Credit Card, type in your PIN, select PIN Services and follow the simple instructions.

Q. What if I forget my PIN or get it wrong? (Only applicable to Mastercard)

You'll have three chances to enter your PIN correctly when you're trying to pay. If you enter it incorrectly three times in a row, your PIN will be locked and you'll need to call Customer Services to request a new PIN. Opening hours are: Monday to Sunday 8am to 9pm, an automated service is also available Monday to Sunday 4am to 11pm. You will receive your PIN reminder within 7 days, and you will need to unlock the PIN at an ATM.

Q. If I lose or forget my PIN, how do I get a PIN reminder? (Only applicable to Mastercard)

You'll need to call Customer Services to request a PIN reminder. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm. You will receive a PIN reminder within 7 days.

Q. When will I get my PIN reminder? (Only applicable to Mastercard)

You will receive your PIN reminder within 7 working days, and you will then need to unlock the PIN at an ATM.

Q. Will I need to use my PIN when buying online, over the phone or via mail order? (Only applicable to Mastercard)

No, you would only need to enter your PIN when purchasing in store. You may be asked to enter the 3 digit security code shown on the back of your card when purchasing online. Remember never reveal your PIN to anyone.

Q. Can I use my Chip and PIN card abroad? (Only applicable to Mastercard)

Chip and PIN has been introduced in most countries. Where this is not the case, you will be asked to sign a receipt. Therefore it is very important you still sign the back of your card as soon as you receive it.

Q. Can I apply for an additional cardholder on my account?

Yes, you can add up to three people to your account at no extra cost. Additional cardholders must be over the age of 18, be your partner, spouse or a close relative, a permanent UK resident and live at the same address as you. You will be responsible for all use of the card by the additional card holders; they will also share your credit limit. You can request for any additional card holders to be added to your account when you first apply. If you are already a cardholder and wish to add someone to your account please log onto Online Account Manager or speak to Customer Services. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

Q. How can I protect my card from fraud and misuse?

To avoid your card and account falling into the wrong hands, you should activate your card and sign the back of it as soon as you receive it.

Q. What should I do if I don’t recognise a transaction on my account?

Please contact Customer Services straightaway. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

Q. How do I report my card lost or stolen?

You should report it to us immediately on our Lost and Stolen Card Helpline . We will stop all transactions, block the card and will arrange for a replacement card to be sent to you as soon as possible.

Q. What do I do if I suspect fraud on my account?

Contact Customer Services immediately so that we can investigate this for you. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

Q. In what circumstances will NewDay suspend use of the card?

NewDay may at any time suspend your right to use the card or the account; we may do this where we reasonably consider that this is necessary because of reasons relating to the security of your card or account; suspected unauthorised or fraudulent use of the card; or if you have broken the terms of your agreement.

Q. What is estimated interest?

The estimated interest amount gives you an indication in advance of how much interest you could be asked to pay on your next statement and will help you manage your finances more effectively.

  • You only pay the minimum payment amount shown on your statement.
  • Your balance doesn't increase before your next statement date due to any more purchases, cash advances, Balance Transfers or Money Transfers.
  • The minimum payment is applied to your account on the due date.
  • The way we calculate interest doesn't change and the interest rate(s) (which can vary) used in the calculation are the same at next month's statement date as they are now.
  • The amount takes no account of any delayed payment promotions we may offer in the period ahead.

Q. Will I be charged extra for using my card abroad? (Only applicable to Mastercard)

You can make purchases at over 32 million places worldwide, wherever you see the Mastercard logo. Please note that occasionally, for fraud prevention and security purposes, transactions may be declined or referred when your Card is used abroad. NewDay Ltd adheres to a number of financial sanction regimes which may affect your ability to use your Card abroad. For details of any current restrictions, you should contact us before travelling. All transactions in currencies other than sterling will be converted into sterling on the day they are added to your Account at the Payment Scheme Exchange Rate (at the date and time the transaction is processed) together with the Non-Sterling Transaction Fee (2.75%). The Payment Scheme Exchange Rate used may differ from the rate when the transaction was made as exchange rates vary on a daily basis. The Payment Scheme Exchange Rate used when such transactions are made and the amount of the transactions in sterling following application of the exchange rate will be set out in your statement. For an indication of the Payment Scheme Exchange Rate you can visit www.mastercard.com.

Q. What do NewDay mean by APR?

It means the Annual Percentage Rate and is the annualised cost of credit; it also includes any fees, such as an annual fee, but not default charges. The APR is to help you to compare the cost of credit.

The APR applicable to your account will be shown on your credit agreement.

Q. Can I withdraw cash on my card? (Only applicable to Mastercard)

Cash withdrawals are available on the Debenhams Credit Card. You are able to withdraw cash from any cashpoint that displays the Mastercard logo. There is a cash advance fee of 3% of the amount of the transaction or £3 (whichever is greater) every time you withdraw cash. There is no interest free period on cash withdrawals.

Q. Can I use my card for gambling online? (Only applicable to Mastercard)

Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

Q. Can I purchase travel money or travellers cheques using my card? (Only applicable to Mastercard)

Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

Debenhams Cardholders will receive preferential rates on travel money purchased at Debenhams Travel Money Bureaus. Visit Debenhams.com/travelmoney for details or your local Travel Money Bureau in store to receive your discount.

Q. When does NewDay charge interest?

Interest is calculated from the date the transaction is added to your account until the balance is repaid in full unless you have a promotional offer in which case we will tell you how we charge interest on this at the time.

Q. Why would NewDay change my interest rate?

NewDay may change interest rates for the reasons set out in the terms and conditions. This could, for example, be to reflect rate moves in the market, increases in our operating or funding costs or if your personal circumstances change. We will always give you at least 30 days’ notice in writing of an interest rate increase and another 30 days to tell us that you would like to close your account and pay down the balance at the existing rate.

Q. What other charges may be applied to my account?

You can view other rates and charges on your credit agreement.

Q. How much will I have to pay to my account each month?

The minimum payment will be the sum of (i) 1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus (ii) the amount of any interest, and Default Fees charged to your Account in the current Statement Period plus (iii) the amount of any arrears (which are immediately repayable), subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable too.

Q. How are payments applied to my account?

If you do not pay the account balance in full in any month, NewDay will apply your payment to the statemented transactions as follows:

  1. It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.
  2. If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: cash transactions, money transfers, payment protection insurance premiums, balance transfers, other promotional transactions, purchases and other transactions. If you have more than one promotional transaction at the same rate, your payment will be applied first to the promotional transaction that has the earliest promotional period start date.

Where an account fee is charged in connection with a transaction or promotional transaction, it will be applied by reference to that transaction type. Otherwise it will be applied after other transactions as set out in 2) above. We will apply any remaining payment to transactions not yet shown on your statement in the same order as set out above.

Q. What should I do if I am experiencing financial difficulties?

If you are having difficulties with your repayments please call NewDay Customer Services as early as possible and we can suggest ways to help. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

Q. When will I get a statement?

You will receive a statement once a month, when there is any movement on the balance on your account. Your statement date will be determined by NewDay and you can find out this date by contacting Customer Services.

Q. Can I change the date I receive my statement?

No, your statement date is fixed and will be the same each month.

eStatements give you the same information as paper statements, but you view them through the Online Account Manager rather than receiving a paper copy by post. To sign up for eStatements - sign in to the Online Account Manager to update your preferences under ‘Account settings’. You can view, print and download your eStatements as and when it suits you. eStatements are free, completely secure and come in the same format as your paper statement. You will receive a reminder email each month to let you know that your eStatement is available which you can download and save at your convenience. eStatements are more secure - there is no need to file or shred old statements

Q. How many Reward Points will I earn each time I use my Debenhams Credit Card?

You’ll earn Debenhams Reward Points with every purchase. You’ll collect 3 points for every £1 you spend on your Debenhams Credit Card at Debenhams, and 1 point for every £2 you spend when you make a purchase on it anywhere else.

Q. How often will I receive Reward Vouchers?

Every 3 months we'll automatically convert the Reward Points you've collected by spending on your Debenhams Credit Card into Reward Vouchers. Reward Vouchers are sent out in January, April, July and October and will be issued in conjunction with your Debenhams Credit Card statement. These are valid until the date stated on your voucher and can be used to treat yourself in any UK Debenhams store when you pay with your Debenhams Credit Card. Please note that Reward Voucher cannot be used in respect of financial services, purchases of gift cards and vouchers or at Debenhams food outlets.

Q. What is Payment Protection Insurance (PPI)?

PPI is a type of insurance sold alongside financial products such as credit cards, loans and other finance agreements so that payments are made if the borrower is unable to make them due to sickness or unemployment.

If you had PPI on your account your policy was provided through Santander. To find out more about PPI, including how to make a complaint if you wish to do so, please visit the Santander website.

Q. Want to find out more about PPI?

You can also call on 0800 171 2171 (Calls from UK landlines and mobiles are free)

Opening hours from 29/08/2017 are 8am - 8pm Monday to Friday and 8am – 4pm Saturday

9 Nelson Street

Q. Who are NewDay Ltd and how do I contact them?

NewDay Ltd issue and operate the Debenhams Credit Card and store cards.

Key facts about NewDay Ltd:

Contact address: Customer Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and together form part of the NewDay Group of Companies.

The registered office for these companies is: 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. The NewDay trademarks are used by NewDay Ltd under licence from NewDay Cards Ltd.

NewDay Ltd and NewDay Cards Ltd. are registered with the Office of the Information Commissioner – New Day Ltd Data Protection Register Entry Number Z272680X. NewDay Cards Ltd – VAT Registration Number 100 1745 76