To qualify for a Dorothy Perkins Mastercard, you must:
NewDay Ltd will also perform a credit search to verify that you meet the criteria for credit.
It should take 10 – 15 minutes.
If you’re accepted or declined, it’s an instant decision. However we may refer the decision to an Underwriter to assess. If so they may contact you for further information before making a final decision.
You have 14 days from the day after you receive your card to tell us you want to withdraw from the agreement. You can do this by writing to us or calling Dorothy Perkins Card Services on 0333 220 2503*. We will tell you how much to repay and how to pay it. You will then have 30 days to pay what you owe including any interest.
We would advise that you check your credit report and avoid reapplying for at least three months.
As a responsible lender, we will always carry out a credit search.
This is based on a number of factors. We will use this information to determine the amount of credit that we think is affordable for you.
You can contact the credit reference agencies currently operating in the UK – these are listed below. The information they hold may not be the same, so it’s worth contacting them all. They will charge you a small statutory fee.
If you have recently opened several credit accounts or applied for a number of credit facilities in a short space of time, this could reduce your credit rating. This is because lenders wish to lend responsibly and avoid customers taking on more credit than they can afford.
This is the maximum amount of money available to spend on your account.
This is based on information obtained from your application and the outcome of the credit search performed via the credit reference agency.
You can ask us if we will consider an increase to your credit limit, but any change to your credit limit will depend upon your personal circumstances. We will then make an assessment before deciding if your limit should be increased. The limit available to our customers is regularly reassessed to ensure they 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.
Yes, we can decrease your credit limit to any amount, provided it is not lower than your balance.
As part of our commitment to ensure that we are lending responsibly, we conduct regular reviews of all our accounts. We will provide 30 days’ notice of any change and you will have the opportunity to tell us that you do not want the increase and/or that you do not want to be considered for an increase in the future.
In line with your terms and conditions, you will be charged a £12 fee for going over your credit limit. The amount that you are over your limit is immediately repayable.
A Balance Transfer is a facility you may be offered if you are accepted for a Mastercard. It enables you to transfer a balance held on another card(s) to your new Mastercard.
The Balance Transfer handling fee is up to 5% of the amount transferred and will be charged each time you make a transfer. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you unless you exercise your right to withdraw from your credit card agreement within 14 days of receiving your card. The handling fee will be shown on your monthly statement following the transfer.
To request a Balance Transfer, your Mastercard must be activated and you should call Dorothy Perkins Card Services on 0333 220 2503*.
It normally takes three working days for a Balance Transfer to be completed (a working day finishes at 3pm for these purposes). So, if you request it on a Tuesday, it will be completed by Friday evening. If you request it on a Saturday, it will be completed by Wednesday evening. We will let you know if it will be completed sooner.
You can transfer any amount from £100 up to 95% of your credit limit. All or part of the balance(s) requested may be transferred, subject to your credit limit and to our approval.
Can I transfer balances from a number of financial providers?
Yes, subject to approval, you can transfer balances from a number of accounts and financial providers – providing that they are UK store card or credit card balances. However, you cannot transfer balances from another card provided by NewDay Ltd. All transfers are subject to our approval.
You will receive your card within 10 days of signing your credit agreement and the terms and conditions.
Call 0800 915 2205. Opening hours are: Monday to Sunday 8am to 9pm. The main account holder must activate the card before it can be used. Calls may be recorded and monitored for training and security purposes and to help us manage your account.
As soon as you identify that your card has been lost/stolen, you will need to call Dorothy Perkins Card Services on 0333 220 2503* so that we can block your card and issue you with a new one.
At over 36 million locations worldwide, wherever the Mastercard logo is displayed.
Your card will be sent to you with accompanying information to state that it is a Chip and PIN card. We will also provide you with essential information about using Chip and PIN.
You will receive your PIN within five days of signing your agreement.
You can change your PIN at any cash machine displaying PIN Services and by following the simple instructions.
You’ll have three chances to enter your PIN correctly when you’re trying to pay. If you enter it incorrectly three times in a row, your PIN will be locked and you’ll need to call Dorothy Perkins Card Services on 0333 220 2503* to request a new PIN.
No, Chip and PIN replaces using a signature to confirm transactions – as you haven’t signed for these in the past, you won’t need to enter your PIN. But you may be asked to enter the 3 digit security code shown on the back of your card.
Chip and PIN has been introduced in some countries. Where this is not the case, you will be asked to sign a receipt. Therefore please ensure you still sign the back of your card when you receive it.
If you are unable to use a PIN, call Dorothy Perkins Card Services on 0333 220 2503* and we will be able to provide you with a Chip and signature card.
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 Dorothy Perkins Card Services on 0333 220 2503*.
To avoid your card and account falling into the wrong hands, you should activate and sign the back of it as soon as you receive it.
Please memorise and destroy your PIN as soon as you (or your additional cardholder) receive it, and do not write it down (unless you do it in such a way that it would be impossible for someone else to recognise). If you change your PIN, make sure you choose it carefully. Never give your card or account number to anyone else and don’t allow anyone else to see your PIN when entering it at a Chip and PIN terminal. If you have reason to suspect that someone has unauthorised access to your account, you should report it to Dorothy Perkins Card Services on 0333 220 2503* immediately.
Please contact Dorothy Perkins Card Services on 0333 220 2503* straightaway.
You should report it to us immediately on our Lost and Stolen Card Helpline on 0333 220 2503*. We will stop all transactions and will arrange for a replacement card to be sent to you as soon as possible.
Contact Dorothy Perkins Card Services on 0333 220 2503* immediately, so that we can investigate this for you.
We may at any time suspend your right to use the card or the account; where we reasonably consider that this is necessary because of reasons relating to the security of your card or account; suspected unauthorised or fraudulent use of the card; or if you have broken the terms of your agreement.
The estimated interest amount gives you an indication in advance of how much interest you could be asked to pay on your next statement. This will help you manage your finances more effectively.
The estimated amount is based on the following assumptions:
You can make purchases at over 36 million locations worldwide, wherever the Mastercard logo is displayed. Please note that occasionally, for fraud prevention and security purposes, transactions may be declined or referred when your Card is used abroad. NewDay Ltd adheres to a number of financial sanction regimes which may affect your ability to use your Card abroad. For details of any current restrictions, you should contact us before travelling on 0333 220 2591. This line is open seven days a week, 24 hours a day. All transactions in currencies other than sterling will be converted into sterling on the day they are added to your Account at the Payment Scheme Exchange Rate (at the date and time the transaction is processed) together with the Non-Sterling Transaction Fee (2.75%). The Payment Scheme Exchange Rate used may differ from the rate when the transaction was made as exchange rates vary on a daily basis. The Payment Scheme Exchange Rate used when such transactions are made, and the amount of the transactions in sterling following application of the exchange rate will be set out in your statement. For an indication of the Payment Scheme Exchange Rate you can visit www.Mastercard.com.
It stands for the Annual Percentage Rate, and is the annualised cost of credit; it also includes any fees, such as an annual fee, but not default charges.
The APR applicable to your account when you open your account, will be shown on your credit agreement.
Cash withdrawals are only available on the Mastercard. You are able to withdraw cash from any cashpoint that displays the Mastercard logo. There is a cash advance fee of 3% of the amount of the transaction or £3 (whichever is greater) every time you withdraw cash.
From the date the amount is debited from your account.
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.
You can view other rates and charges by viewing the Summary Box.
The minimum payment will be the sum of
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:
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.
If you are having difficulties with your repayments please call Dorothy Perkins Card Services on 0333 220 2503* as early as possible and we can suggest ways to help.
Yes. Using our Online Account Manager, you can you view your purchases, make payments and manage your Direct Debits online 24 hours a day, 365 days a year.
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:
Yes. It’s one of the benefits of being a Dorothy Perkins card customer.
If you need to, you can change the date your payments are due, up to three times a year.
If you’d like to do this, call us on 0333 220 2503*.
You can pay whatever you like each month, but you must make at least the minimum payment. If you only make the minimum payment this will cost you more and it will take longer to clear your balance.
The minimum payment will be the sum of
If you make only the minimum payment each month it will take you longer and cost you more to clear your balance as you will pay more interest on your account.
You will incur a late payment charge of £12. We may also provide this information to credit reference agencies and this may affect your ability to obtain credit.
Failing to keep up with your repayments will also result in any promotional offers being withdrawn.
In certain instances (e.g. when booking a hotel or hiring a car) the transaction amount may be unknown at the point you authorise the transaction. In such cases, the retailer will seek to block funds temporarily from your account. This is what we call a preauthorised transaction – it results in the relevant amount being deducted from your available balance only (it is not however processed as a transaction).
Please note that we will only block funds if you have authorised with the retailer the exact amount of funds that are to be blocked from your card.
We will also release the funds once we are made aware of the actual transaction value.
No, if you would like a new account, please apply again.
You will not receive any penalties, costs or charges if you decide to close your account.
Call Dorothy Perkins Card Services on 0333 220 2503*, or write to us at Dorothy Perkins Card Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.
You will receive a statement once a month, when there is a transaction on your account. Your statement date will be determined by NewDay Ltd and you can find out this date by contacting Dorothy Perkins Card Services on 0333 220 2503*.
eStatements give you the same information as paper statements, but you view them via the Online Account Manager rather than receiving them through the post. To sign up for eStatements – sign in to the Online Account Manager to update your preferences under ‘My details’.
Following changes to the law, from 13 January 2018 you can allow an authorised Third Party Provider (TPP) to have access to your online servicing account. These TPPs are sometimes known as Account Information Service Providers and offer such services as the ability for you to look at all your bank and credit card accounts through one Mobile App or Website. You can only use a TPP where you have registered for Online Account Manager.
If you choose to use a TPP, please ensure you understand how their service works, such as how they access your account with us and how they will protect your data. Please be aware that:
You can request a copy of your terms and conditions at any time whilst your account is open – to do so please contact Customer Services on 0333 220 2503*.
Do I need to consent to you using my information to provide me with payment services?
When you enter into a credit agreement with us, you explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you.
PPI is a type of insurance sold alongside financial products such as credit cards, loans and other finance agreements so that payments are made if the borrower is unable to make them due to sickness or unemployment.
If you had PPI on your account your policy was provided through Santander. To find out more about PPI, including how to make a complaint if you wish to do so, please visit the Santander website.
You can also call on 0800 171 2171 (Calls from UK landlines and mobiles are free).
Opening hours from 29/08/2017 are 8am - 8pm Monday to Friday and 8am – 4pm Saturday.
NewDay Ltd issue and operate the both Mastercard and store cards.
Contact address: Customer Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.
Credit is provided by NewDay Ltd. Registered in England and Wales with registered number 7297722.
The registered office is: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref no: 555318) for the provision of payment services.
NewDay Ltd. are 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
To speak to Customer Services, please call us on: 0333 220 2503*
If you have a complaint related to your Dorothy Perkins Credit Card, please contact us by using any of the methods provided above. Alternatively you can write to us at:
Customer Services Department
PO BOX 700
If we do not resolve your complaint internally to your satisfaction, you can refer it to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone 0800 023 4 567. E-mail: email@example.com. Website: www.financial-ombudsman.org.uk. If you applied for your Dorothy Perkins Credit Card online, you can also contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission. The ODR platform will forward your complaint to the Financial Ombudsman Service. For more information about ODR please visit the European Commission website.
NewDay Ltd is a member of the Finance and Leasing Association (FLA) and is bound by their Lending Code. Copies of the FLA's Lending Code can be obtained from www.fla.org.uk. NewDay Ltd also subscribes to the Standards of Lending Practice which are independently monitored by the Lending Standards Board. For further information, or to see a full copy of the Standards of Lending Practice, please visit www.lendingstandardsboard.org.uk.
* 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 and monitored for training and security purposes and to help us manage your account.