My wife took out one of these cards, bought some items from BHS and in due course received a statement and bill from Barclaycard. Unnoticed at the date of payment within the time limit allowed, was that the number shown on the statement did not match the number on the credit card. Advice on the statement, when making payment from your own bank, was to enter the number shown on the credit card as a reference. This she did, and presently she received another statement from Barclaycard charging £12 plus interest for non-payment. She phoned Barclaycard on their premium telephone line, but they rejected her card number during the automated part of the call saying it was not one used by Barclaycard. She tried again, this time entering the number shown on the statement rather than the one on the credit card, and eventually got through to the call centre somewhere in Asia where trying to explain the problem was met with responses such as "it's not one of our cards" and eventually "well you should have used the number on the statement when making the payment, despite that this was contrary to the advice it contained." Anyway, despite the unhelpful comment the call centre eventually agreed to waive the extra charges, but it had still cost us money using their premium charging telephone number.
We are going to cancel the card now that payment has been made. BHS also do not have an email address and neither do they show a telephone number on their web site that is not a premium rated number, so if they do not read this review they will never know why they have lost our custom.
Would I recommend this card? Not a chance!
I often go over my £1000 credit limit due to the nature of use , the account generally is over by approx £5 or less, they will constantly then ring for there money up to 5 times a day , I also had an issue trying to pay and get I can't due to paying to oftenThis account is now closed , this would not be my first choice for a credit card
I joined with a BHS storecard years ago when i bought my first house and needed to buy all the essentials like duvets, pillows etc etc. At the time if you applied for the card i think i received an extra 20% off of my purchase which i thought was great at the time and i intended to pay the balance off all in one go which i did. You also got invited to private cardholders events and sale previews in the store which was good and free tea or coffee in the restaurant when you were making a purchase.
From what i can gather now the new BHS 'storecard' is actually a Mastercard and when you sign up you don't actually receive any extra discount other than the usual interest free period that you receive from all credit cards so i don't think there are so many benefits.
This card was great for me when i first got it but now i rarely use it and i wouldn't have signed up originally without the added bonus of 20% off my purchases.
Until recently Bhs have only had a store card, but for about the last half a year they have introduced a new card which is called the BHS Master card. This is because the contract with GE capital has come to an end so they now have one with barclay card instead. Unlike there last card this card is a credit card and offer you 18.9% Apr where as their old card offered 29% Apr
I currently work at BHS so hopefully I won't forget anything!
*How can I get one of these cards?
Old members of the BHS Goldcard would have got a letter sent through the post telling them their card is running out and would have had a form to fill in and then bring in store to get sent off. If you aren't a member you can apply at any store and will get asked when purchasing if you would be interested (I know we find that annoying but we can't help it!) You can even apply online, though I noticed a flaw here. You have to be over 21 to get one of these cards but on the website it says 18. Wrong.
The BHS mastercard is one of the more competitive cards on the high street. It offers you 18.9% Apr which of course won;t matter if you keep you with your payments and you even can get up to £50 credit when you are in store applying if you get accepted (We phone through and they tell us on the phone).
You get 0% interest on non-Bhs purchases for 3 months
0% interest on Bhs purchases for 6 months
and 0% interest on balance transfers for 9 months, though a 2.99% handling fee does apply.
*Is this card safe?
This new card has something called Bhs secure which combats credit card fraud. This makes it one of the safest cards on the high street.
- Bhs Active Monitoring & Worldwide Fraud Protection - monitors your account for any unusual activity and alerts you if they find anything suspicious
- Internet Guarantee - designed to help you if your goods are delivered damaged and you're unable to resolve the issue with the supplier (excludes antiques and second hand goods)
* What will I get out of the card?
First off this card offers you 5 points for every pound that you spend in store and 1 point for every pound you spend wherever you see the mastercard logo.
Every time you reach 500 points you earn a 5 pound Bhs voucher. You receive vouchers every quarterly (Every 3 months) so depending what you have spent you should receive some vouchers, for example:
- Spent £110 in bhs and £240 in 3 months, this means you would have 790 points giving you a 5 pound Bhs voucher, though if this where your first purchase with Bhs you would receive 1340 points giving you 2 5 pound vouchers.
Don't worry about the extra points, they don;t disappear, they simply get carried on to your next quarterly payment. Simple.
They also have around 12 event days every year (1 each month). They are usually on a Thursday and card holders will be sent letters to let them know when the next event is coming up. On these days you can save 20% on everything in store, though I think its only 10% on larger items (We don't have furniture in the store I work in so I'm not quite sure.)
You can change your PIN at any cash point though you must activate the card first. You will get your card within 2 weeks of you filling in the form. You will need a debit/credit card or a passport as proof of identity to fill in the form and there will be a few personal questions such as a estimation of your annual income, though these aren't too important and if you really don't want to give this information away it isn't essential.
*How do I pay my bills?
Just take them into your bank like you do with any over bills and you can pay them off there. Or you can pay them off online if you have signed up to do this which is a real time saver.
*Can i cancel this card if i want too?
Yes you can. You can't do this through going in store so don't try this, you have to phone the customer services number or the number of your bank to get it sorted out. This is because Bhs themselves aren't in charge of this card Barclay card is.
The Bhs mastercard would really benefit you if you shop in Bhs a lot, from what I know about it it sounds like one of the best around though I probably wouldn't want it as I already get discount anyway!
The mastercard is ran through barclaycard, its actually quite good. GE were not very good, remember all the data protection problems they were having. Also, goldcards and choice cards will stop being legal tenders on the 31st December 2008, so cannot be used after that date. You can swap them though.. the new mastercard only has 18.9%APR, the goldcard is a huge 29%!!!
The BHS Goldcard is no longer being issued to customers. They are being offered a Thank You card for now. This card gives you 5% off everytime you buy anything until 31 July 2008. After that date they will be offering Mastercard with BHS logo on it. Make your own minds up about that one. BHS no longer deal with GE money although the goldcards are still acceptable.
BHS stores have been around for as long as I can remember, and they have a good range of products if slightly old fashioned in places.
Like most large department stores BHS has jumped on the Store card band wagon, and now offers a BHS Gold card to its customers. When I say customers I actually mean virtually anyone who can write and fill in the application form. These application forms are not hard to find. Simply go to any BHS store and the chances are you will be hounded to partake of this magnificent offer.
So fill in the form get the card and an instant £500 credit limit. Once you have used the card a few times, you might well get invited to the Cardholders special offers nights, which are held periodically in the larger stores. When at one of these so called special evenings you will be offered further reductions on a series of items to entice you to use your card even more. I do feel here that BHS are indeed being a bit irresponsible in offering the card to anyone, I feel there should be some kind of check not just to protect BHS from a bad debt but to protect the consumer from taking on more than they can handle.
Whilst using the card you gain points which will entitle you to even more discounts, and special offers. The card is naturally accepted in all BHS stores and like all plastic comes at a price. In this case the price varies slightly from time to time but the APR sits generally in the region of 24.9%. This means spend £100 and owe £124.90, doesnt start to look so attractive now does it. On top of this once you approach your credit limit BHS automatically increase your limit in your account is managed in a respectable manner. By this I mean you have paid a few months at the minimum payment without incurring late payment fees or excess interest charges.. I think this interest rate is absolutely ridiculous, so you will not be surprised to learn that I/We paid off the amount due and ripped up the card. If you only pay off the minimum amount on your balance each month, then youre a paying off very little of which you owe, you are only really paying of the interest accumulated over the month. This being the case it will take you months/years to clear off the debt especially if you continue to use the card in the meantime.
There are occasions when one might find in ideal to take out one of these cards or some form of credit, but if I were you I would seriously consider another source for your credit since as you can see the interest rate here will soon have you in deep financial trouble, if you continue to use the card for purchases.
YES the card is handy
YES you can purchase anything in the store with it
YES they charge excessive interest charges
NO dont get one.
Having read some reviews of the goldcard, I have noticed some details are either incorrect or out of date. As a current BHS Associate here is the up-to-date goldcard information.
Opening a BHS Goldcard is a good idea for anyone who is a regular BHs customer, or occassional customers who make large purchases, e.g. coats, lighting products, spending a lot in christmas or holiday shop.
The goldcard is a store and discount card combined, and replaces the old choice card scheme (which was a discount card only) although choice cards may still be used by existing members.
Discount on the goldcard works as follows:
On opening the goldcard, you will receive double points for the value of your purchase at the time. e.g. If you are buying a £50.00 jacket, you will receive 10 points instead of 5. This will put you straight onto a 5% discount level. This is because 10 points gets you onto 5% discount. In order for you to take advantage of this initial double points offer, your purchase must be put through on your gold card account at the time of opening the account. You will also receive a £5.00 respend voucher with your first statement , assuming you have spent £35.00 or more when opening the account.
There will also be occassional promotional offers such as £5.00 off, or 10% off when opening the card, as well as double points.
After opening the account, you should receive occassional money off vouchers and special offers as well as invites to discoutn and cardholder nights and other special events, including the very popular christmas party evening, where you could save up to 20% on top of any existing discount on your card. BHS stores also have 15% and 20% events throughout the year, many of which are cardholder nights only.
After you have opened the account, and collected any initial points, you will then receive 1 point for every £10.00 spent on the account. This applies to BHS purchases only. The card can also be used at all arcadia stores such as Burtons, Dorothy Perkins, Topshop etc. Although discount points are not added for these purchases.
Assuming you are on a 5% discount, you will need to collect a further 25 points to get onto a 10% discount, and after that a further 35 points to get a 15% disount. When these disount levels have been reached, this dicount applies to all purchases and cannot be "used up" as with other discount schemes. The points however are reset every year, usually around the 1st of October.
When the points are reset, your discount level will not fall to 0, instead a 15% discount will usually be reduced to 10%, and a 10% to 5% etc.
Paying your statement is easy, and can be done using the payment slip, as with any other bill, or by direct debit. If you wish to use your card as a discount card only and "pay as you go" you can also pay at any Evans or Dorothy Perkins store, and facilities should soon be available to pay your account in BHS itself. In this way you can buy products in BHS on your Goldcard, and then go to Evans and pay it off right away. You will still receive a statement, but it will show that the balance is paid.
I would recommend the goldcard as a good product for anyone who is a regular BHS customer, as it really could save you money, especially if you usally pay by credit card anyway.
Oh, and by the way, contrary to the beleif of most customers, BHs staff get no incentives or commission for opening accounts, it's just "part of our job". I myself have had abuse from customers saying that we are pressuring them to take on credit just so we can get extra money etc. This is totally untrue, we get nothing! Except pressure
My opinion on store cards as a whole is rather negative. I can't see the point in opening a card to get discount, only to lose it in the high interest that accrues. However, compared to other store cards, the BHS gold card is probably by far the best. Most store cards will offer you a £1 voucher for every £100 you spend there. Some offer a £5 voucher for this amount. Once used, you have to spend another £100 in order to get that discount again. The boots advantage card (which is not actually a store card, but more a club card) actually gives you £4 back for every £100 spent. However, the BHS gold card actually allows you to save up to 15% on any purchase that you make. You collect a point for every £10 spent and as you collect points you get to 5%, 10% and finally 15% discount level. 10 points to get to 5%, a further 25 to get 10% and finally a further 35 to get 15%. But the great thing about the gold card is that you cant "use up" your discount. Once you have a discount level, you get that discount on anything you buy, be it £1 or £100. To be fair, it resets annually - but only to a certain extent. (e.g: 10% drops to 5%). Assuming that a customer spends £100 per month on their store card, in a year they would save about £12 - £50 at most stores, whereas with BHS, they would save about £125, and thats just the first year. In subsequent years (accounting for the points resetting), they would save £140. BIG difference. In addition to the choice discount, there are regular money-off vouchers with each monthly statement, plus a further 10% discount at sale preview evenings for card-holders. Add up all those discounts and you could be saving a lot of money. The only problem with the gold card is that it has a very high apr of 29.0%, variable but of course you have 56 days, no interest in which to settle the balance. Apart from that, theres not much fault with it. Theres no annual fee and it's free to open. It's easy to apply.
Just ask any BHS member of staff. You will be required for proof of ID. Any Bank payment card will do (Switch, Visa, Mastercard etc). You then fill out a simple form, with the assistant and they ring it through to authorise it. Once authorised, you will be issued with a temporary card which you can then use until your proper card is sent through the post. You will also receive DOUBLE points on your first purchase. Now thats got to be worth having.
Don't worry, you won't need to do this, it is not part of the qualifying criteria to taking out a BHS Gold Card. Having just started as an Associate with BHS, it is one of the procedures we had to follow for our training induction course, to bring you a very high quality of service in store. One of the main misconceptions with the Gold Card, is that it is confused with the Gold Card Credit Card. It isn't. It is a store card that enables you to spend instantly and pay of your purchases at a later date. Let me take you through the procedures. You will probably be asked by an Associate if you wish to take out a Gold Card. First of all you need to fit the criteria of being over 18 and yourself or a partner being in full time work. If you do, then the Associate will ask you for some basic details like your name, address, date of birth, postcode, telephone number etc. We don't need to know any other personal salary details. The Associate will ring the Holding Bank and relay all the information to the person on the other end of the phone and they will do a credit check on the applicant/s. As long as you have not got a bad credit rating, the application will be approved and a credit limit and account number will be issued there and then. The Associate can then give you a temporary card with the account number and credit limit on it. It will be a flimsy piece of gold card that will be valid for 7-14 days as by this time your proper card will have been sent to you by the Bank. During this time, you can only use it in the store it was issued. When you get your proper card, it can be used in any Branch of BHS. Remember, it may look flimsy, but should be treated like a credit card. You have 56 days interest free to pay off any outstanding balance. After that, you will pay 29.9% interest on any outstanding balance. You will get a 4 weekly statement and you can either use the slip to pay off your balance a
t the bank, or you can pay off by direct debit. Your monthly payment will be a percentage of the outstanding balance or £5 whichever is more. Within the Gold Card, you can also continue to collect your choice points (BHS's Loyalty Points Card). Any points and discount levels reached will be automatically credited to your Gold Card upon opening your account and works as follows. You get 1 point for every £10 spent Collect 25 points and get 5% off future purchases Collect a further 25 points and get 10% off further purchases Collect a further 35 points and get 15% off further purchases As a Choice Card Holder, you will also receive mailings for Choice Evenings. The Store will be open for Card Holders and will offer up to 30% off their goods, plus you still get your discount at whatever level you have reached. So, you could get 45% off your purchases. Usually one of these evenings are held before Christmas so useful for pressie hunters. During these evenings, your children are entertained and drinks nd nibbles are provided. When you open your Gold Card Account, you will get a booklet of vouchers (usually sent with your Gold Card) and they can be for further discounts, free cup of tea or coffee in the restaurant etc. You will also receive other seasonal offers throughout the year. One thing that I must mention is the account cover for your Gold Card. This is probably one of the most important features of all. It will cost you 1 penny for every £1 outstanding on your account ie a balance of £75 will cost you 75p to cover. This is charged monthly onto your account. If you have a nil balance then you pay nothing. So what does it cover? **Accidental Damage** If you buy a pair of shoes and the heel snaps off, then they will be replaced, or if you drop a lamp and it breaks into a million pieces (please don't count them) then another will be orde
red for you. If you rip your coat on a gate post etc etc. **Promotional Reductions** How often does that happen?? You buy something like an expensive new coat or a pair of wall lights. A couple of weeks later you see the same item has been reduced in the sale. Take your receipt into customer services and you will be credited back the difference. The money will be credited back to your card and there will be a £5 charge for administration for each item you care claiming for. **Theft of Card or theft or loss of purchases** If on your way you leave one of your purchases on the bus, or someone pinches your shopping when you are in the cashpoint queue etc etc. These goods will be covered. If your card is stolen and any goods are bought by someone other than the cardholder then the insurance will cover the cost of the goods. **Payment Protection** You are suddenly ill and can't work for 5 weeks or more, or you break both legs and are off for a couple of months. Your payments will be covered for as long as you are off, or until the balance is cleared. Obviously if you are off work and your payments are being paid for you, you will not be able to put any additional purchases on your card, until you are able to start paying again. If you do take out a Gold Card, please take out Account Cover. Some customers say that there cards are already protected, but this is not card cover, it is more specifically account cover!! Well worth it for the sake of just a few pennies. If you are opening a Gold Card, please note that on the back of the BHS christmas brochure, you will find a £5 off coupon when spending £50 or more when you open an account.
No matter how many times I visit BHS I nearly always come out with buying something. About 3 years ago I applied for a BHS Gold card. This is really a credit card that actually gives discount on purchases throughout the store. When you buy anything and pay for the goods by this method you earn 1 point for every £10.00 spent. Once a month you receive a statement from BHS showing the different purchases made, and the number of points earned. Once you have earned 25 points your statement will show that you have a discount level of 5%. This means that you will be able to save this discount from all items bought in the store, until your next discount level is reached. Your following statement will show the 5% discount amount and how many points you will need to reach the next level. This is 10%, which is after you earn another 25 points. The maximum level is 15%. This is reached by earning another 35 points. This can save you lots of money on all items in BHS. The only drawback to this scheme is that it only runs from 30 Sept to 29 Sept the following year. When your statement comes in, it shows the level of discount but drops down. ie: 15% drops to 10% for the following year, 10% drops to 5%, etc. With this type of card you can have additional card holders. Their purchases go on the main card holders account. This means that everyone can take advantage of the discount scheme.