Coronavirus (COVID-19) credit card update
The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.
- Find out more: coronavirus payment holidays on credit cards and loans
Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?
Debenhams in administration
Debenhams has gone into administration.
When we contacted NewDay (the firm behind the Debenhams credit card) it told us that customers would still be able to use their cards.
However, points can long ben earned on new purchases.
Any points earned before 1 December 2020 above the value of £2 can still be redeemed via the Debenham Card app or online account manager as a gift card to be used at Debenhams.
NewDay also told Which? new applications for Debenhams cards have been suspended.
What did the Debenhams credit card offer?
Debenhams offered a credit card that rewarded your spending with points that you can convert into Debenhams vouchers.
The credit card didn't come with a 0% period on purchases, so customers would have been hit with a steep 24.9% APR if they didn't repay their balance each month.
How did Debenhams compare to other providers?
Debenhams mustered a poor 67% in our latest credit card satisfaction survey leaving it near the bottom of the table in joint 23rd place.

Was Debenhams a good credit card provider?
Our survey also reveals how Debenhams customers rated the provider across 10 categories.
Find out in the table below how Debenhams scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.
Debenhams credit card satisfaction ratings |
Star ratings Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score. |
---|---|
Customer service | |
Application process | |
Clarity of statement | |
Transparency of charges and penalties | |
Dealing with queries | |
Dealing with complaints | |
Ability to manage online | |
Ability to manage by mobile app | |
Ability to manage by telephone banking | |
Charges for using your credit card abroad | |
How we calculate Debenhams' customer score and ratings
We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.
Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.
Star ratings for each category are scored independently of the customer score.
These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.
Debenhams credit card FAQs
Where can I use a Debenhams credit card?
Debenhams issued its credit card on the Mastercard network, so you will be able to use the card in millions of places in the UK and abroad.
NewDay (the firm which is behind the branded card) confirmed to Which? that customers can continue to use their credit cards even though Debenhams has gone into administration.
How can I earn points with the Debenhams credit card?
Points can longer be earned on new purchases.
Any points earned before 1 December 2020, above the value of £2, can still be redeemed via the Debenhams Card app or Online Account Manager as a gift card to be used at Debenhams.
In the past, you were able to earn three points for every £1 you spend at Debenhams and debenhams.com or one point for every £2 you spend elsewhere.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.