John Lewis Credit Card Negative Reviews

John Lewis Credit Card App Complaints & User Negative Comments 2024

John Lewis Credit Card app received 34 complaints, negative comments and reviews by users. Have you ever had a bad experience using John Lewis Credit Card? Can you share your negative thoughts about john lewis credit card?

John Lewis Credit Card for Negative User Reviews

✓ AwfulThis is easily the worst credit card I’ve ever had. When I set it up I asked for paper statements. I haven’t received a single one in time to check the transactions before I start getting demands to make payment (by text, email). This is such a pain - I have to download the statement from the app to my email, print the transactions & put them into a spreadsheet. The previous JL card you could just cut & paste transactions into a spreadsheet. I’m only keeping this card as it gives you JL vouchers but I would not recommend it to anyone. I also used to be able to pay by bank transfer - not anymore - the App forces you to give it access to your online banking. I’m furious at having been forced to use an App which is quite frankly useless..CurleyonemillionVersion: 2022.47.1

✓ DisasterThe switch by John Lewis Finance to a new card provider is an absolute disaster and hopeless from a customer point of view. Why? Because instead of being able to pay by direct debit my partners credit card from my bank account we have been told this is not possible: only an account in my partner’s name can be used to pay my partner’s card. So you try every other way to pay the balance owing and you discover similar obstacles. Friends have told me they didn’t / couldn’t transfer from the old to the new JL card provider because credit limits differed and couldn’t be agreed. And it’s all been such a hassle. I’ve spent way more time in useless form filling, and various different attempts, each repeated numerously, to pay the balance but to no avail. We are both fed up with this, and the new card has only been with us a week! What a disaster, John Lewis! Whose stupid idea was this!.Sad Face Sad FaceVersion: 2022.45.2

✓ Declining service from this providerSome elements of the new provider for the John Lewis card I like. The easier way to make payments being one. But there are many I don’t. The way the translations accumulate and the lag on clearing items make it almost impossible to understand the actual balance owed and pay it off on an ongoing basis. The levels of security for online shopping have now increased so I can’t authorise payments by a OTP anymore and logging into the app is needed for practically every order or revision to Ocado orders. It declines recurring payments at random and refuses to accept them (audible being one). It’s so clunky as a payment provider and I’m getting ready to switch. It it only the John Lewis benefits that keep it appealing..Hannah loves pippyVersion: 2023.29.2

✓ RubbishNo acknowledgement of initial payment and took weeks to appear on account. No idea when payments are due I came across mine by chance. I don’t want your payment options online The whole thing is a shambles. Why on earth did JL change this. I have already lodged a complaint. I continually get gold we will reply in 3-5 working days. No you don’t. Nothing. Then a letter saying we have logged your complaint - dating back weeks ! Give me strength. Update My complaint was reviewed by email and found not to be valid. Please read on. The problem was with the payit payment system and so ‘nothing to do with us Guv’! Hilarious. No mention of the huge time lapse, no mention that of course NewDay employs Payit so there IS some responsibility. To pay off my account completely (never to be used again I suspect ) I tried again to use the app for direct payment but no this time it wouldn’t work at all. I eventually paid it off directly via my bank. There is little more to say on this debacle. I love John Lewis and wish them well but I’m now using another credit card instead. Yes the one star stays and would be none if that were possible..HelpdataVersion: 2022.48.4

✓ Unable to speak to a person on the phonePrior to your company taking over the John Lewis credit card I was able to phone a number and within minutes was able to speak to a very pleasant operative and pay my bill or send a cheque. now I have to do everything online and as a person with sight problems I am finding this very difficult. I have held a card for almost 40. Yrs and have Never missed a payment except either through hospitalisation or not receiving my bill Hopefully this will improve as I had to wait almost 30 minutes to speak to one of your operatives A direct telephone number would help for anyone in my situation as I am averse to having to ask others to do this for me.Mint maryVersion: 2022.48.4

✓ Awful!I got an email saying my statement was ready so I went to the app. Previous months' statement were there but not the one to be taken at the end of the month. Also, although I have set my DD to take full balance it still says that the minimum balance will be taken, even though I know they'll correctly take the full balance. But I have no way of knowing what this full balance is! Awful, the old card app was perfect. EDIT: Is anyone monitoring these reviews? There are no responses to any of the reviews reporting problems! My payment for November is due in 2 weeks but I have no idea what it will be because it is NOT SHOWN in the app, only previous months that I've paid by DD. It shows the current balance to date but not the amount of the latest bill due in 2 weeks. And it's still showing the minimum balance that it will take LAST MONTH (October) Sort this out, it's very amateurish. PA. I have had to change to paper statements until you fix this. What a waste. IPadOS 16.1.Hypno123456Version: 2022.44.4

✓ Newday are clownsI’ve had a previous Newday credit card and cancelled it because of confusing statements and unreliable payment processes which led to me being charged as a result of their ineptitude. It seems that this is the same story again. Disappointing the John Lewis forced its loyal card holders to switch to this shonky card provider - the reviews say it all, initially positive but now mostly very dissatisfied as users run into problems with monthly payments not showing up, points totals being invisible, customer service inaccessible and menus illogical. I’ve had the new card inexplicably rejected several times, the points balance disappeared, reminders to pay incessantly despite direct debit in place to pay off in full each month, ‘chat’ function to contact provider broken, and pending transactions disappearing rather than getting confirmed. I’ll give it another month or so then find a new card. Can’t help feeling this is what John Lewis were hoping would happen so they didn’t have to honour their generous points scheme..KjhKJGVersion: 2022.42.2

✓ Current BalanceOn transactions page, it shows the total value of transactions correctly and points out that payments are not included - why not since a payment is also a transaction? On the home page, the current balance is the same as the total value of transactions but should definitely include payments to give a nett balance. Although the previous balance was paid fully and in time, the home page still requests a £5.00 payment due. When I tap ‘Pay’, it gives me the option to pay £5.00 or the full previous balance, which was already paid. It’s hard to see how any adequate end-user testing was performed on this app before its release..Anna BrobatVersion: 2022.38.2

✓ Payment difficultiesMy bank is not listed. Paying by card was refused by my bank though account is very much in credit. Trying to pay by bank transfer was fraught as instructions on how to do this are buried on Page 6 of statement. Web chat took an hour. Advisor couldn’t understand why I couldn’t see page 6 of statement as the one I was looking at was 2 pages long. She should have told me to download PDF , where the same transactions cover 6 pages (though all were present on my 2 page statement) and gives bank details for payment. Only the PDF statement shows the information & I was still looking at the first statement format shown, so couldn’t see the info. . Paying by bank transfer was tricky as payee is unknown, and my bank warned that they couldn’t verify NewDay or John Lewis or “internet banking” PDF statement advises how to pay by bank transfer but the only payee mentioned is “Us” or “internet banking” Thus 3 hours were wasted! Frustrating!.Allnamestaken27Version: 2022.47.1

✓ ConfusingMy last Partnership Card was so easy to use, but this one is just confusing. When applying for the new one I requested the 20th of each month to be the cut off date, so it ran smoothly, like the old one, to the same dates. I’ve always paid in full on receiving the email but, unbeknown to me, the date was changed to the 27th but still being told my statement is due on the 20th. I’ve been paying up then getting bombarded with emails saying payment is due and, after a cut-off call, I found out about the date change and that I owed another payment. Sort it out and just tell us the amount that needs paying and the date..Jan-spkVersion: 2022.42.2

✓ Does Not Work with Biometric app access.Signed up with this card to do my Waitrose shopping. Downloaded the app to both my iPad and my iPhone. On first install they worked OK, but then failed (hung up) when I tried my Face ID/biometric to open the apps. Yet I can get on-line to manage the account.. very strange. If I uninstall and reinstall the app..it then works for a single use then hangs up again on the second use. I have also just tried to use the temp details sent to me when I applied for the card a few days ago to pay for my Waitrose shop. It doesn’t work either! Not impressed, John Lewis rewards scheme? Sharon White must be laughing her socks off…all the way to the bank!.KJR..frustratedVersion: 2022.45.2

✓ Disaster of an appThis app couldn’t be worse in my view - it’s misleading, requests payments when they’re not due or have already been paid. It doesn’t support my high street bank (Cooperative Bank) and can’t even keep an accurate tally of my current balance of the ‘pay online’ page. It is so not John Lewis, I can’t imagine how the boardroom is managing to ride this storm of protest from customers. I’ve contacted Newday customer service and they were as useless as the app. I just feel sorry for all those partnership customers who were rejected for the card or had their credit level massively reduced. I’m going to replace with another card eventually..Js norwichVersion: 2022.47.1

✓ Be wary of using the John Lewis card abroadIn many ways the card works well in the UK, but in comparison with others it has real disadvantages for travellers. Beware that attempting to use it outside the UK, first it does not work for Contactless transactions - embarrassingly disastrous at autoroute pay stations - and second it charges an eye-watering 2.75% commission on all foreign currency transactions, on top of using rip-off exchange rates. The Consumer’s Association Which? has great comparison tools which shows better cards, some that do work Contactless and don’t charge extra commissions overseas..RogerTomlinsonVersion: 2023.40.1

✓ FrustratingWas locked from my account for no reason, couldn’t access JLP to reset and all contact tel numbers were no longer in use or automated voice. After going through option after option and saying ‘something else’ and I’m not joking when I say two hours of trying, I finally got hold of a human. She was most patient and helped as much as she could but the problem was not solved. I was being asked for my DOB on everything I had to fill in, something they no longer ask for. I received a message to say my PIN number had been changed and to visit an ATM. I didn’t ask for this. I still cannot get on to the app despite updating it and my problem is not solved. Never had these problems with the old John Lewis and there was always a ‘human’ contact number. Very dissatisfied and frustrated..A nickname that's notVersion: 2022.49.2

✓ Not a very impressive start…….Downloaded and tried to add card to Apple Pay as directed in both the ‘welcome email’ (after taking out the card) and the on line help. “You can load your Partnership Card to your Apple or Google digital wallet on your mobile phone today, and earn reward points where Apple and Google Pay are accepted. Just download the John Lewis Credit Card app on your mobile phone, click “add to Wallet” in your My Card tab and start spending.” There is no option “add to Wallet” in My Card!!!!! On line chat did not resolve the issue. As I do 99% spending via Apple Pay this card is of no use. Still my M&S one works ……. I might try again after physical card received. Meanwhile I suggest amending the ‘welcome’ email..BOBOK7Version: 2022.32.3

✓ ProblematicCan’t find when my payment is due - can find where to change it but not what it actually is. Found the whole process of transferring difficult and can’t find how to get the app on my phone as opposed to my ipad. Not designed for the not so digitally literate over 65s who must make up a lot of John Lewis customers - coupled with closing so many stores it looks like they don’t want our custom any more. Much more complicated than old card. Less clear as to when you have to pay continually demands minimum payment. Considering using another card as my main card..Very Grumpy GillVersion: 2022.49.2

✓ Partnership cardImpossible to get through to New Day Financial Services. Spent 15 mins on phone saying “something else” into the phone in order to navigate the automated announcements. My husband and I want to increase our credit limit on our cards. We are about to buy £14k worthOf carpets with John Lewis. The advisor tried to send 4 emails to both of us with the link request for increasing credit limit. None have reached us. We stayed on the line while advisor was trying to do send emails but he didn’t know why emails not being able delivered despite checking all avenues. A day later and we still have not received the email link. Awful app too. The screen shot is far too small, not easy to navigate. Only displays what you want the customer to request or see. Absolutely no customer focus. Sadly JL have joined the ranks of others who we have avoided being customers of as JL used to always offer the best, excellent customer care, how it’s changed. Still waiting for credit increase. Have to make a decision on whether to proceed with carpet order..Absolute nonsneseVersion: 2022.47.1

✓ A silly step backwards…As others have pointed out the app asks you to pay a minimum amount even if you have set up a full payment direct debit.. The old card had a statement amount due which is missing Frustrating that instead of an improvement features have made the experience worse Was the app actually tested with real customers?? I’m also downing another star for the experience in time and space trying to speak to a real person about a transaction (I gave up)… JL used to pride itself on good customer service but it’s another nail in the coffin when all you get is stupid text messages where it is 100% obvious that whoever is replying is doing so with copy and paste replies instead of actually looking at what the customer is saying. Other half and I agree that we need to look around for alternatives..Balbs1Version: 2022.47.1

✓ Clunky and slowThis app feels clunky and outdated. Opening the app is more like a link to a website than a purpose designed app. Obviously security is important for a credit card, but other financial apps are so much smoother and more seamless. I seem to spend too much time inputting usernames, password, security numbers, PIN numbers and one-time-passcodes - very frustrating and time consuming, and fingers crossed for a good data signal if you’re out and about. I have other credit card and banking apps which are much better to use. Maybe this one is much more secure? It certainly stops me using it!.DRKC LondonVersion: 2022.44.4

✓ Jon SwallowEver since I was issued with my new John Lewis card and NewDay took over, I have had endless problems. Over the last few months I have found that payments have not gone through when I have paid online as I have done for years, the card has not been recognised by my bank, the Statement from John Lewis nowhere mentions New Day as the organisation you are meant to pay, charged a non payment fee when it appeared my payment had been made, endless long phone calls to John Lewis and New Day, home deliveries almost cancelled because card suddenly not recognised online although it seemed to have gone through as it has for years, etc. etc. I could go on…. It’s almost persuaded me to stop shopping at Waitrose and John Lewis!.Minsmere ManVersion: 2023.10.1

✓ AverageThe app is alright but it has some annoying features and it’s definitely not as high-tech as other banking apps eg it was better under the previous provider. When you make a payment e.g. by direct debit it takes days to show up and still shows the payment is due even after it has been taken. This is unsettling and makes it difficult to see the outstanding balance after the direct debit payment has been applied. I can never work out if pending payments are included in the total or not – I think they aren’t but they definitely should be! I like the rewards of the Partnership Card so I will continue to use it but I’m not particularly satisfied with the app and I think it could be a lot better.Imo-imo-imoVersion: 2024.14.3

✓ HopelessI absolutely hate this new card. It has to be inserted rather than presented a very high percentage of the time. The online payment mechanism does not allow time to find a card to insert and then will not allow you back where you left off and if you try to start again it tells you to complete the previous transaction but does not say how to find it again. I have twice had to pay by debit card as the only thing I could get to work and that is also time consuming. It was so much easier to set up a payee in your bank account and pay from there. Seriously considering switching to a different card..This doesn’t work eitherVersion: 2023.20.1

✓ Card controlsI have not yet received my physical card so can’t try the app in full but would like to know when temporary app controls are going to be introduced? The old app was very good at this allowing a card to be temporarily “lost”, and blocked under various circumstances. All very useful. I notice an “in box” but can find a way of sending messages. If there was one I would have used it rather than used this method. Other issues already reported need sorting and should have been before the app was launched..OkehuVersion: 2022.36.1

✓ Low credit limit and constant payment remindersDisappointed with this card. The credit limit is 5k less than my old Partnership card. Also, I set my payment date for the 8th of the month, but from the 29th of the previous month I get daily reminders to pay up. It’s really annoying and I feel like I am being harassed. I clear my balance every month and I don’t need to be treated like a child. They are trying to pressure me into setting up a direct debit which I don’t want to do. I would have been more than happy to stay with the old card..Aargh!!!!!!Version: 2023.47.1

✓ Worst credit card I have ever hadFirst time I used it, payment declined with need to contact fraud department that was closed at that point. My husband had to pay for his own birthday meal out at a Michelin stared restaurant! Within 2 months fraud activity occurred for over £3 k purchases and system allowed hackers to change phone number to theirs on the system. When I contacted Nextday they told me the phone number was the one I had given them!!! Took 1 month to resolve and money al credited back and I was assured my direct debit would only take the balance left of my purchases. However this morning the statement balance was taken including al the fraudulent sums putting my current account into overdraft. Nextday were shocking at helping today and hung up on me!!!! My bank has sorted everything out for me. I will be cancelling this card. I feel very sorry for John Lewis but you have picked a lousy supplier for your credit card..Ports1235Version: 2022.49.2

✓ Irritated by the new JL credit card provider!Have been with JL credit card for years enjoying £6k credit, no missed or late payments, credit card fully paid off every month, no exceptions, perfect record. New Day came in and gave me £250 credit limit even though they must have had access to all of my history. Complete piffle! Having to jump through hoops, making multiple payments each month to prove my credit worthiness. Just made it to the grand total of £3k credit, yay, I’ll keep upping it when they let me but they don’t deserve my business. Shame John Lewis, poor choice of provider!.AngiePJVersion: 2023.25.1

✓ Yet more changedOnce again they’ve changed this app for the detriment of their customers. Previously it had a really useful feature that allowed you to receive a text message every time the card was used. So all those worries of a contactless payment being made fraudulently went away. However they’ve now modified the settings to say they’ll only notify you for payments over £100. You now have to log into the app and wait a few hours for the recent transactions to update. As always I can see from their point of view it saves them some money in sending the SMS but from a customer perspective this really stinks. Thanks OneDay for your input in killing off the usefulness of the John Lewis card. You’re doing an exceptional job in this one area..Robert421Version: 2023.50.1

✓ Credit limit a problemWe used to run as much of our household expenditure as possible through our JL credit card. With the much lower credit limit from the very unimpressive Newday card provider we have a problem every time we have large “one off” payments eg holidays, furniture, vets bills. Shuffling money around to solve this all the time is a pain. As my credit standing is the same as it was, I have no idea why this limit is applied when the old card had worked with a much higher limit for years. However, I now have an Amex card as the longer term solution..Previous JL LoyalistVersion: 2023.3.2

✓ Fine until you want to payApp seems to do the job, displaying balance, statements, letting you freeze card etc. Except when it comes to paying monthly balance. Online payment is really hit and miss via NatWest Payit. It takes me to my bank’s app and then sends an email saying payment is pending and will get another email when it’s paid. It never seems to happen, leaving you for days wondering to find another way to pay. Expect NewDay will blame NatWest and other banks, but it’s their app and they need to own the problem..VeeJay92Version: 2023.18.1

✓ All that’s bad about credit cardsGiven the problems setting up this new card I indicated I wanted paper statements. I don’t like finance apps on my phone. Unfortunately, New Day seem unable to send out statements in good time. My next payment is due in 5 days and I’m still waiting for the envelope to land on my door mat. I get that it’s expensive and a hassle to send out statements SO sort out your customer services and improve the app and web page!!!! Most worryingly statements on the app are all set up to show the minimum payment required. You have to search for the balance. Many people my age, pay off their balance each month, this is ANNOYING (no doubt to encourage people to incur huge amounts of interest). So I’m still logging into my account via the web page and to check through the transactions before paying. So not keen to set up direct payments. And reading through the other reviews I really don’t think I want to trust this useless credit company to take the correct amount from my bank. I do wonder how many New Day customers have referred them to the financial ombudsman? They’re walking a thin line. I’m saddened that JL would do this to so many loyal customers. If it weren’t for the rewards scheme I would have gone elsewhere..Pensive12Version: 2022.47.1

✓ John Lewis new credit card.This transition to the new card has not been smooth at all. We’ve had many issues including an additional card!!! and I do not like the way I pay my statement. I prefer to pay from my own bank not via the app. The payment methods do not give me confidence. Also I am not liking constant reminders of payments being due. Fair enough a few days before but not two weeks. I find them intimidating and the language used is trying to coerce me into paying by direct debit which I never have done and won’t ever do. So to put it bluntly the new set up has not gone well..TheBucksC&CVersion: 2022.47.1

✓ Work in progress - perhaps!The card itself is mostly good although the tap-to-pay option seems to work only about 50% of the time. The app needs a secure messaging facility like the old Partnership card - reporting disputes by the app or phone is only slightly less unpleasant than sticking needles into your eyeballs! Reporting a disputed transaction by the app transfers you to a web site where the options for the nature of the dispute are often not relevant. After entering all the details required and submitting the dispute, I received an error message and had to start all over again. Some of the boxes requesting information are said to be “required information” so, presumably boxes not marked in this way are optional, except that they are not and the dispute cannot be submitted until something is entered into them. The really bad feature is the financial services supporting this app. The phone menu is interminably long and complex, and doesn't seem always to accept a card number, input either by voice of keypad, so that the process has to be repeated. Once a human has been reached, I was cut off mid call on two occasions. After eventually managing to submit a dispute and this being apparently received, I have no real confidence that it actually has been received..Bratman91Version: 2022.49.2

✓ Unnecessary changeFire the team responsible for this change of CC provider. First thing you see when opening the app is a big PAY button, asking for the balance payment, even when you have paid it. Confusing, unnecessary and a little worrying. How many people have been caught out paying twice because of this? Payment date I asked for was ignored and given random date totally out of sequence with my other bills etc. I used to pay the minimum by DD and the remainder by direct transfer, which I would set up in advance. This gave me the option of very occasionally using the credit facility for large purchases spread across a couple of months. I can’t do this anymore. Have to wait until the DD payment date and pay remaining balance manually. Totally stressful, I don’t feel in control of my money. Have gone back to using a card with another provider and only use this for JL purchases now. Will eventually abandon this card altogether, simply not worth the stress..Bad Hair LifeVersion: 2022.45.2

✓ RubbishI have used the John Lewis card for many years and it was excellent. A paper statement which I could actually read and store then a bank transfer which took seconds. Brilliant! Now I get no statement except something on my account on line in microscopic print which I can’t read. There is no option for bank transfer and I now need to go through a “verification “ procedure which refers me back to my account with John Lewis which then has no record of my payment. It now takes minutes instead of seconds and is frankly a really poor show. All for the benefit of John Lewis, not it’s customers..Easter JKVersion: 2022.42.2

John Lewis Credit Card works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact John Lewis Credit Card.