This site ships to the United Kingdom
  • FREE INTERNATIONAL DELIVERY OVER £100

CONTACT US & FAQS

Contact NewDay

Contact NewDay

 

NewDay Ltd

PO Box 700

Leeds

LS99 2BD

0844 411 1811/p>

 

(This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes.). 

 

Open Monday to Sunday, 8am - 9pm.


 

Applying for a Topshop Card

Can I apply for a Topshop Card?

You can apply for a Topshop Card providing that you can say ‘yes’ to the following statements: I am 18 years or over, a permanent resident in the UK and have been for the last 12 months. I have a good credit history with no previous defaults or County Court Judgements. I have a current UK bank account and a registered UK telephone number (landline or mobile phone). My partner or myself are in permanent paid employment (minimum 16 hours a week) self employed or retired, or in receipt of incapacity allowance. If you apply online, you have a valid e-mail address

How do I apply for a Topshop Card?

You can apply for a Topshop card in store - just ask members of staff for details. Or you can apply online here.

 



Can I apply for an additional cardholder on my account?

Yes you can. Additional cardholders must be aged 18 and over and share your credit limit. You are responsible for all use of the Card by the additional cardholder. Please note that we will not give additional cardholders information on your account.

How do I cancel an additional cardholder on my account?

To cancel your additional cardholder call Customer Services on 0844 411 1811. (This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes). 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 and the interest rate(s) (which can vary) used in the calculation are the same at next month's statement date as they are now;

 

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


 

How do you assess a request for a credit limit increase?

If you request an increased credit limit, we will consider such factors as your payment history and when your last increase was. We may also use credit referencing to consider your request.



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 NewDay Customer Services on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes. Open 8am to 9pm seven days a week. 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 Customer Services straightaway on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes. Open 8am to 9pm seven days a week

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, payment protection insurance premiums and Default Fees charged to your Account plus (ii) 1% of the remaining balance shown on your statement plus (iii) the amount (if any) by which you have exceeded your Credit Limit, subject to this being a minimum of £5. If the total outstanding balance is less than £5.00, then the minimum payment due will be the total outstanding balance. If you only make the minimum payment it will take longer and cost more to clear your balance.

How are payments applied to my account?

 

If you do not pay the Account balance in full in any month, NewDay will apply your payment to the statemented Transactions as follows:

 

  1. It will be allocated to the different amounts of your outstanding statemented 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 Special Transactions, Purchases and other Transactions. If you have more than one Special Transaction at the same rate, your payment will be applied first to the Special Transaction that has the earliest Promotional Period end date. 

Where an Account fee is charged in connection with a Transaction or Special 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.

 

 

 

Will NewDay change my interest rate?

In the future NewDay may decide to change your interest rate, this may be due to your account performance or perhaps changes to the UK economy. In these circumstances NewDay will inform you of any changes by post.

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 Customer Services on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes.

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?

1. Online:

Sign in to Manage My Account and you can pay your bill by following on screen instructions. Please allow one working day for the payment to be credited to your account.

2. By post:
Send the Giro slip from your statement with a cheque payable to NewDay Ltd, to: PO Box 848, Liverpool, L71 2XX. Your account number must be quoted on the back of your cheque. Please allow seven working days for the payment to be credited to your account, and extra time during busy postage periods and bank holidays.

3. By telephone:
Call Topshop Card Customer Services on 0844 411 1811 (this call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes.) to pay using either a debit or credit card. Please allow one working day for the payment to be credited to your account.

4. By cheque/cash
Call into any bank with the Giro slip attached to your Topshop Card statement, and a cheque made payable to NewDay Ltd (please note that some banks may charge a small handling fee).

Please allow five working days for the payment to be credited to your account.

5. By Direct Debit:
Direct Debit saves time, is more convenient, gives you greater control and makes late payment charges easy to avoid. If you’d like to pay by Direct Debit, you can call the NewDay Customer Helpline to set up a Direct Debit to either pay your minimum payment a fixed amount or full balance each month, which we will automatically collect saving you the worry of making it on time. The payment will be transferred from your bank or building society every month, provided you have enough funds in your account. Please allow up to four working days to either set up or amend a Direct Debit. If you’d like to make an additional payment, you can send NewDay a cheque together with the payment slip on your statement. Please remember that if you only make the minimum payment each month, it will take you longer and cost you more to clear your balance. If you choose a fixed monthly payment and in any month the minimum payment exceeds the fixed amount the Minimum payment will be debited.

For more information simply call Topshop Card Customer Services on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes.

A working day is defined as Monday - Friday, excluding bank holidays.

 

How do additional payments affect my Direct Debit payments?

You can make additional payments to your account at anytime using the standard payment options detailed above. However, extra payments must reach NewDay at least four days before your Direct Debit is due to allow us to cancel it for that month.

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. NewDay Ltd Customer Services can be contacted on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes.

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

If you do not receive your Topshop Card within 5-7 days of a successful application, you should make NewDay aware by calling Topshop Card Customer Services on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes.

 

How can I change my personal details?

 

If you need to change your personal details you should call Customer Services on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes.

 

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 Customer Services on 0844 411 1811. This call will be charged at 5 pence per minute plus your phone company's access charge. Calls may be recorded and monitored for training and security purposes.

What if I have a complaint about my Topshop Card?

 

Please write to Newday internally at Complaints Department, NewDay Ltd, Capital House 1, Bruntcliffe Way, Leeds LS27 0JG. If NewDay do not resolve your complaint internally to your satisfaction, you can refer it to: 

 

The Financial Ombudsman Service at 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?

•    Customer Service contact address: PO Box 700, Leeds LS99 2BD

•    Credit only available to over 18s and subject to status is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and are part of NewDay group of companies. The registered office for these companies is: First Floor, 11 Tower View, Kings Hill, West Malling, Kent ME19 4RL (until 31/10/2014), Two Pancras Square, London N1C 4AG (from 01/11/2014). NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 0638085 and 0510571 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. Topshop is a trading name of NewDay Ltd. Topshop acts as a credit broker and only offers credit products for NewDay Ltd. Retailer is Top Shop / Top Man Limited trading as Topshop and is authorised and regulated by the Financial Conduct Authority with number 0473825. Registered office: Colegrave House, 70 Berners Street, London, United Kingdom, W1T 3NL. Registered in England and Wales. Registered number 02317752