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John Lewis Credit Card public relations disaster
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Easyrider
Posted: 03 November 2022 14:04:39(UTC)
#1

Joined: 09/11/2020(UTC)
Posts: 1,951
The John Lewis credit card blacklash seems like a public relations disaster to me.
Even Sir Anthony Holland, who was the Financial Services Complaints Commissioner for 10 years, was turned down having had a card for 20 years.

Have any Forum members been refused to rejoin the scheme? With the exception of Bulldog, members would seem to meet the John Lewis credit card demographic/socio/economic profile.

I'm pleased to say that the Easyrider household has been issued with new cards.

It's astounding the mess businesses can get themselves into when they try to cut costs.

Someone has taken their eye off the ball!
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Sheerman
Posted: 03 November 2022 14:21:18(UTC)
#2

Joined: 01/07/2019(UTC)
Posts: 181

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I was an 'irked loyal customer' having to reapply for a reward credit card, I enhanced my income on the application and my application went through.
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Easyrider on 03/11/2022(UTC)
Bulldog Drummond
Posted: 03 November 2022 14:26:18(UTC)
#3

Joined: 03/10/2017(UTC)
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Put an ex-civil servant with no retail experience in charge of a retail operation and see what happens.... Can't recall when I last bought anything from either Waitrose or John Lewis. I did have a charge (not credit) card with them decades ago, but must have binned it at some point or maybe it was cancelled when they switched to credit cards.

Using NewDay was a very strange choice. NewDay are essentially a sub-prime lender and notorious for their lousy systems and rotten customer support. Until recently I had a ND Amazon Platinum card, which did generate decent cashback on Amazon purchases, but they were sacked by Amazon a few months ago so I closed the account. I have a few other credit cards that I use for cashback, vouchers and free forex, and my limits on those are typically £15K/card. By contrast ND gave me a limit of £1.5K. Not a problem but indicative of their business model. I have always paid off my cards in full each month and that doesn't make any money for a firm like ND, which gets its income from those permanently in debt and paying 30% interest.

John Lewis does seem to have completely lost its way. BTL comments about their stores are scathing. And an intelligent 10 year old boy could have told them that there would be problems hooking up with a scumbag operation like ND.
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6 users thanked Bulldog Drummond for this post.
Captain Slugwash on 03/11/2022(UTC), Easyrider on 03/11/2022(UTC), MBA MBA on 03/11/2022(UTC), DIY Investing on 03/11/2022(UTC), Steve U on 03/11/2022(UTC), Guest on 04/11/2022(UTC)
bédé
Posted: 03 November 2022 15:42:48(UTC)
#4

Joined: 26/09/2018(UTC)
Posts: 7,895
I don't like a proliferation of credit cards. I don't like to pay interest., I like cash-back.

I made far too many and differing attempts to get a new JL card but all failed. Mostly the the little arrow went round and round and never stopped.

Enough was enough. M&S via MoneySuperMarket was quick and simple. My wife will hold that alongside First Direct. Simples.

Me, I have somebody who handles all my purchasing for me. I tried to use a card to buy air for my tyre today ... but failed. I must buy a footpump.
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bédé
Posted: 03 November 2022 15:47:46(UTC)
#5

Joined: 26/09/2018(UTC)
Posts: 7,895
The main public relations disaster was stopping the free coffee and free newspapers. My personal shopper now visits Waitrose half as often.

They now offer "personalised" weekly offers. What they call personalised is what we bought last week and might not ever buy again.
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Aminatidi on 03/11/2022(UTC)
chazza
Posted: 03 November 2022 15:51:12(UTC)
#6

Joined: 13/08/2010(UTC)
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My only problem so far was the longish wait for the card to arrive. Credit limit lower than on the old Natwest version, but so is my income. I've found NewDay systems much more tractable than NatWest's. I rarely use the card outside Waitrose which, in my patch, is far and away the pleasant supermarket in which to shop, and not too expensive once discounts and vouchers are taken into account.
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Easyrider on 03/11/2022(UTC)
chazza
Posted: 03 November 2022 15:54:14(UTC)
#7

Joined: 13/08/2010(UTC)
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And , albeit with the small inconvenience of having to download a voucher, I still get my free newspaper. WR is also bringing back free coffee (for those who drink it)…
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Easyrider
Posted: 03 November 2022 17:34:30(UTC)
#8

Joined: 09/11/2020(UTC)
Posts: 1,951
All our expenditure from net disposable income goes on our John Lewis credit card except direct debits etc. We find it exceedingly convenient.
We pay it off when due and avoid high rates of interest.
We use the vouchers for extra expenditure at Christmas and other events.
Our annual expenditure using the John Lewis card averages about £22k a year and we have credit up to £10k.
It's in my wife's name and I have my own card which I mainly use to buy tea and cake when cycling.
Several years ago we visited the USA for my son's wedding and we paid for everything with the JL credit card including a "rehearsal Dinner" and hotel bills, but we outlined what we were going to do and the likely expenditures arising, with JL beforehand.
It worked a treat.
I suspect some of the issues which have arisen are to do with "the computer says no".
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Keith Cobby on 03/11/2022(UTC)
MBA MBA
Posted: 03 November 2022 18:29:51(UTC)
#9

Joined: 16/12/2012(UTC)
Posts: 1,725
Anyone recommend any cash back / reward cards especially?
I use debit card anything under £100 and my 0% cards for anything over £1k. I’ve got a £14k expenditure coming up but I’ve maxed my 0%.
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andy mac
Posted: 03 November 2022 20:19:22(UTC)
#10

Joined: 12/02/2016(UTC)
Posts: 1,264

Thanks: 1052 times
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Tesco card is used for fuel and amazon

JL - application simple no probs
The one thing that got me a bit pi..ed off is the period between statement and due date is only 15 days so I have had to move payment date later as they also seem to want more time to get the money
I dont like the statement nor the text telling me a payment is due but there is no DD set up
So tried to pay more than on the bill as it was pending but couldnt get into credit until some returns popped up

Waitrose stopping the free news paper - cost £10 per day shop forced me to stop at Lidl as I drove past it to get my free paper. Quality is good providing you know what you want

Halifax affinty does my overseas bills

but JL / Waitrose have certainly lost custom. It is deserted even on Friday and Saturday mornings but their carpark is very convenient and free for 3 hours - I am sure that will go
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2 users thanked andy mac for this post.
MBA MBA on 03/11/2022(UTC), Easyrider on 03/11/2022(UTC)
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