You’ll need to have to hand your UK bank account details, your home addresses for the last three years (including BFPO or overseas addresses), details of your gross annual income, and, if you’re employed, your employer’s address.
Yes, our application procedure uses high-level SSL encryption technology. If you want to check that you’re in a secure area of our website, look for a padlock either in the bottom right of the browser status bar or next to address bar at the top.
If your screen has finished loading and is still blank or does not look as it should, please return to our homepage and apply again. Any information you’ve already supplied to us will have been encrypted and therefore no one else can access it. The website is compatible with the following internet explorer version requirements:
IE : 10 & 11
Chrome : 48.0.0.
Firefox : 44.0.2.
If you’ve other problems when applying online, please don’t hesitate to call 0345 300 3830. Lines are open Monday to Saturday 9am to 6pm.
No, we'll set your credit limit based on the information you provide to us. We’ll tell you your credit limit when you receive your card. If you’d like to ask us to consider increasing or decreasing your credit limit, just call us on 0345 300 0213 (our lines are open Monday to Friday 8am to 8pm and Saturday 9am to 5.30pm). You can also use your online account to ask us if you'd prefer. As part of our commitment to responsible lending, we’ll assess your ability to repay before we decide to increase your credit limit.
How can I find out why my application has been declined?
If we’re unable to accept your application, we’ll tell you in a letter the principal reason why for example, if you do not pass our credit score.
You may contact us and ask us to reconsider our decision. We’ll usually ask you to provide additional information, which was not available at the time your original application was submitted.
If you wish to ask us to reconsider our decision, please write to us on the address below quoting your application number and provide any additional information you may feel is relevant.
Credit Review Manager
John Lewis Financial Services Limited
PO Box 5140
Your circumstances can change over any given period and we’ll be pleased to consider a new application from you in due course. However, if your circumstances have not changed since your last application it’s unlikely that our decision will change. We don’t refuse any applications just because we’ve declined a previous one.
If you applied online you can check the status of your application at johnlewisfinance.com/cardcheck. To check online you will need to have the application reference number we gave you and the memorable word you chose. Or you can call us on 0345 300 3830. Lines are open Monday to Saturday 9am to 6pm.
An additional cardholder is a person that you authorise to hold a card on your account. We can issue up to three additional cards on your Partnership Card account. Transactions for your card and any additional card holder transactions will appear on your monthly Partnership Card statement. You’re responsible for repayment of all transactions made by an additional cardholder. Please note that additional cardholders must be 18 or over.
It depends on how you use your Partnership Card. We’ll not charge interest on any Purchases shown in a statement if you repay the full amount you owe us on that statement date by the next payment due date and you also paid the previous month's balance in full by the payment due date. For all types of transactions other than Purchases, we’ll charge interest from the date each transaction or charge is added to your account until the amount you owe us has been repaid in full.
Yes, once you’ve registered your online account, you can access our online service and choose to have online statements only. We’ll send you an email notification when your statement is available to view in the online service.
You can register for an online account at cardregister where you’ll be prompted to choose a username, password and PIN. Once you’ve registered you can manage your account easily online. You can use your online account to: view your recent transactions, check your Partnership Card points balance, view statements and make payments.
Once your application has been approved online you should receive your Partnership Card within 3-5 working days, your PIN will follow a few days later. You’ll then need to activate your new card before you can start spending.
The cards we send you’ll automatically be enabled for contactless payment functionality. This allows for the fast and secure payment of items up to £30 this allows fast, easy and secure payments of £30 or under by touching your Partnership Card on a contactless reader without having to enter your PIN. This makes it easier to pay for smaller, everyday purchases without having to use cash. You can be sure these transactions are secure as your contactless card comes with inbuilt security features. The systems advance technology means you don’t need to worry about accidental double payments. Occasionally we may ask you to enter your PIN to ensure it’s you using your Partnership Card.
If you don’t want Contactless functionality on your card (or your additional cardholder doesn’t) then please call us on 0345 300 8333 to request a card that doesn’t include contactless payment functionality. Lines are open 24 hours, 7 days a week.
Yes. Your Partnership Card is welcome at over 36 million MasterCard outlets worldwide. We’ll apply a non-Sterling transaction fee to the Sterling amount of the transaction which will be shown as a separate charge on your statement. For more details of the fees refer to the Summary Box which is found in the important information section of the application.