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CONTACT US & FAQS

Contact NewDay

Contact NewDay

 

NewDay Ltd issue and operate both MasterCards and retailer store cards.
 
NewDay Ltd is a member of the Finance and Leasing Association. They run a conciliation and arbitration scheme to help members and their customers resolve difficulties. For more information, you can visit www.fla.org.uk or write to them at: Finance and Leasing Association, Imperial House, 15–19 Kingsway, London WC2B 6UN.
 
Key facts about NewDay Ltd:
Card Services contact address: Topshop Card Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.
 

Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. NewDay Ltd is registered with the Office of the Information Commissioner – Data Protection Register Entry Number Z272680X


 
If you’d like to find out more, please visit newday.co.uk

 

 

Applying for a Topshop Card

Can I apply for a Topshop Card?

To qualify for a Topshop Card, you must: be 18 years or over, be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel), have a current UK bank account, a home or work and a mobile number, not already have a Topshop Card, have a regular income.

How do I apply for a Topshop Card?

You can apply online here.

 

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 other close relative, a UK resident and live at the same address as you. You will be responsible for all use of the card by the additional cardholders; they will also share your credit limit. You can request for any additional cardholders 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 call Topshop Card Services on 0333 220 2507. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

How do I cancel an additional cardholder on my account?

To cancel your additional cardholder call Card Services on 0333 220 2507. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.. Please ensure that you cut the additional cardholder’s Card into two pieces as you will remain responsible for the card until it is has been effectively cancelled.

Rates and Charges

Is there an annual fee on my Topshop Card?

No, there is no annual fee on my Topshop Card.

What interest rates apply to my Topshop Card?

Please refer to Summary box for further information.

 

What is the Representative APR?

The Representative APR for the Topshop Card is 19.9% APR variable. At least 51% of Topshop applicants will receive an interest rate for purchases less than or equal to this APR.

 

 


 

 


 


What is estimated interest?

 

Account Card providers show on statements an estimate of the amount of interest payable where a customer only makes the minimum payment amount. The estimated 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 anymore purchases, cash advances or balance transfers;

 

The minimum payment applied yo your account on the due date;

 

The way we calculate interest doesn’t change. If any change in your interest rate has been notified to you, the estimated interest will take this change into account

 

The amount takes no account of any delayed payment promotions we may offer in the period ahead.

 

Am I charged if I miss, or make a late payment to my account?

 

A £12 charge will be applied in each of the following instances:

  • Late payment fee
  • Over credit limit fee
  • Administration fee for returned cheques or direct debits


 

Can I increase my credit limit?

Yes, any changes to your credit limit will depend on your personal circumstances. You can request an amount and we will then make an assessment. The limit available to our customers is regularly reassessed to ensure we have the appropriate level of credit available. As part of our commitment to lend responsibly, 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 external bureau data and internal performance data.



What is the minimum credit limit/what is my credit limit?

The minimum credit limit you will receive with your Topshop Card is £150. Your credit limit will be communicated to you at the point of application and is subject to your individual circumstances. You can find your credit limit on your statement.

Can I request a lower credit limit?

Yes, call Topshop CardServices on 0333 220 2507.Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account. To reduce your credit limit. If we need to reduce your credit limit for any reason, you will be informed in advance.

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

Please contact Topshop Card Services straightaway on 0333 220 2507. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

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

The minimum payment will be the sum of

 

(i)the amount of any interest, and Default Fees charged to your Account in the current Statement Period plus

(ii)1% of the Standard Balance shown on your statement plus

(iii)the amount of any arrears, which are immediately repayable;

 

subject to this being a minimum of £5. If the total of your Standard Balance is less than £5, then the minimum payment due will be the total outstanding balance. Any overlimit amount is immediately repayable. 

How are payments applied to my account?

If you do not pay the Standard Balance in full in any month, we will apply your payment to  (i) Transactions and Promotional Transactions (ii) any Account fee charged in connection with a Transaction or Promotional Transaction, (iii) other Account fees and to (iv) any Default Fees which are shown on your statement as follows:

1) It will be allocated to the different amounts of your outstanding statemented Standard 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, 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.

3) If you pay more than the Standard Balance shown on your statement in any month we will apply your payment to Transactions on your Standard Balance which are not shown on your statement before any Transactions on your Buy Now Pay Later Balance which are shown on your statement.

 

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.

Why would you change my interest rate?

We may change interest rates to reflect rate moves in the market, 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.

What should I do if I am experiencing financial difficulties?

If you are experiencing financial difficulties, or having problems meeting your payment obligations, you should contact Topshop Card Services on 0333 220 2507. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

Managing a Topshop Account

How often will I receive my statement?

You will receive your statement monthly when you spend regularly, or have a balance on your account. If you do not have a balance you will receive a statement at the minimum intervals as required by law.

Can I change the date I receive my statement?

Unfortunately this is not possible.

How can I make a Payment to my account?

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:

 

By Direct Debit – You can set up a Direct Debit to pay the minimum payment amount, the full balance or a fixed amount on your card automatically every month. You can also set up a Direct Debit using the Online Account Manager under ‘Manage payments’. Alternatively, you can call Topshop Card Services on 0333 220 2507*. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

 

By Internet or Telephone Banking – You’ll need to provide your bank with our sort code 09–01–09, our account number 01000007, and your card number.

 

By Telephone – Call Topshop Card Services on 0333 220 2507* to pay using a debit card. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

 

By Post – Please send your payment at least seven working days before the payment due date. Please do not send post-dated cheques or cash. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line and send to NewDay Ltd, PO Box 218, Rotherham, S98 1NS.

 

At any bank – Please make your payment by cheque or cash at least five working days before the payment due  date by using the Bank Giro Credit slip attached to your statement – your bank may charge a fee for this service. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line.

 

At any Arcadia store - Please use the payment slip from your statement to pay at any Arcadia store. You can pay by Cash or Debit Card. Payment by Cheque or Credit Card cannot be accepted. Please allow up to 5 working days for the payment to be credited to your account.

 

*Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

Contact Details

What if I have a query about my Topshop Card?

Queries regarding your account should be directed to NewDay Ltd who operate the Topshop Card on behalf of Topshop. Topshop Card Services can be contacted on 0333 220 2507. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

What should I do if I have not received my Topshop Card?

If you do not receive your Topshop Card within 10 working days of a successful application, you should make NewDay aware by calling Topshop Card Services on 0333 220 2507. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

 

How can I change my personal details?

 

If you need to change your personal details you should call Topshop Card Services on 0333 220 2507. Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

 

If you wish to make a change to your name you must write to NewDay providing a copy of a document, which confirms your name change (for example, a marriage certificate), for verification purposes. Please send your letter to: NewDay Ltd, Customer Services Department, and PO BOX 700, Leeds LS99 2BD.

 

How do I report my card lost or stolen?

If your card is lost or stolen, you should report this to NewDay immediately by calling Topshop Card Services on 0333 220 2507.Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open seven days a week, 8am to 9pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.

What if I have a complaint about my Topshop Card?

If you have a complaint, please write to:

 

Complaints Department NewDay Ltd
PO BOX 700
Leeds
LS99 2BD

 

If we do not resolve your complaint internally to your satisfaction, you can refer it to:

 

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Telephone: 0300 123 9 123


E-mail: enquiries@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

 

You may find it helpful, before you are entitled to go the Financial Ombudsman Service, to make use of the Finance and Leasing Association’s conciliation scheme to resolve your complaint. You can write to:

 

The Complaints Manager
Finance and Leasing Association
Imperial House
15–19 Kingsway
London
WC2B 6UN

Fax: 020 7420 9600.
Email: code@fla.org.uk

 

Who are NewDay Ltd and how do I contact them?

NewDay Ltd issue and operate both MasterCards and retailer store cards.

 

NewDay Ltd is a member of the Finance and Leasing Association. They run a conciliation and arbitration scheme to help members and their customers resolve difficulties. For more information, you can visit www.fla.org.uk or write to them at: Finance and Leasing Association, Imperial House, 15–19 Kingsway, London WC2B 6UN.

 

Key facts about NewDay Ltd:

Card Services contact address: Topshop Card Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.

 

Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. NewDay Ltd is registered with the Office of the Information Commissioner – Data Protection Register Entry Number Z272680X

 

VAT Registration Number 100 1745 76

 

If you’d like to find out more, please visit newday.co.uk

Buy Now Pay Later

How do I qualify for Buy Now Pay Later?

To get 3 months Buy Now Pay Later simply spend £40 or more online at the websites listed below using your (Retailer) card and select the Buy Now Pay Later Option at the checkout.



Representative 19.9% APR (variable)


Buy Now pay Later is available at the following websites:

  1. topshop.com
  2. topman.com
  3. missselfridge.com
  4. dorothyperkins.com
  5. burton.co.uk
  6. wallis.co.uk
  7. evans.co.uk
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 Buy Now Pay Later Balances will also be collected. If you want to change this, please speak to our Customer Service Team on 0333 220 2507.

Representative 19.9% APR (variable)

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

Please speak to our Customer Service Team on 0333 220 2507. 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.

Representative 19.9% APR (variable)

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 Buy Now Pay Later balance will be transferred to your Standard Balance. Your promotional rate will be withdrawn and you will pay the standard purchase and the balance will be included in the minimum payment calculation..

Representative 19.9% APR (variable)

How will Buy Now Pay Later purchases be shown on my statement?

Your purchases will appear on your statement in the usual way. Any purchases you have made using Buy Now Pay Later will have the words ‘Buy Now Pay Later’ following the purchase details.

Representative 19.9% APR (variable)

A summary box showing your Buy Now Pay Later Balances and their expiry dates will be displayed at the bottom of the transactions page of your statement.

Can I make more than one purchase using Buy Now Pay Later?

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

Representative 19.9% APR (variable)

What happens if I return some of the items I bought on Buy Now Pay Later?

The remaining purchases that you made using Buy Now Pay Later will continue on your Buy Now Pay Later balance.

Representative 19.9% APR (variable)

Do I have to make payments during the offer period?

No payments are required for your Buy Now Pay Later Balance during the offer period, however you will have to make at least the minimum payment as set out in your statement each month if you have a Standard Balance or if you have payment protection insurance on your account.

Representative 19.9% APR (variable)

When does the Buy Now Pay Later offer period end?

The Buy Now Pay Later period ends 3 calendar months from the purchase date. At that point, the balance will be moved to your Standard Balance and will start accruing interest at the standard purchase rate. It will also be included in your minimum payment calculation. You will be made aware of this in advance on your statement.

Representative 19.9% APR (variable)

What rate will I pay at the end of the Buy Now Pay Later offer period?

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

Representative 19.9% APR (variable)

How will PPI premiums be calculated if I have a Buy Now Pay Later balance?

Your PPI premiums will be calculated on your standard balance and your Buy Now Pay Later Balance, which means both your Buy Now Pay Later Balance and your Standard Balance is protected should you need to make a claim under your payment protection insurance.

 


Representative 19.9% APR (variable)

Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: Two Pancras Square, London, N1C 4AG. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 0638085 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. NewDay Ltd is registered with the Office of the Information Commissioner – Data Protection Register Entry Number Z272680X