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FAQs

  • Applying for a card

    Q. How do NewDay decide whether I am eligible for a Dorothy Perkins Mastercard?

    To qualify for a Dorothy Perkins Mastercard you must:

     

    - be 18 years or over

    - be a permanent UK resident and have lived in the UK for the last 12 months (unless you’re HM Forces Personnel)

    - have a current UK bank account and a home or mobile phone number

    - not already have one of our Mastercards or Account cards

    - have a regular income

     

    NewDay will carry out an eligibility check to give you an idea of how likely you are to be accepted for a Dorothy Perkins Mastercard and what APR we think we may be able to offer you. This will not impact your credit rating but will be recorded as a “soft” footprint’ on your credit report. Please note other lenders or credit providers will not be able to see this check on your report.

    If you want to carry on with the full application once the eligibility check has been completed NewDay will carry out a full credit search to make sure that we can offer you a Dorothy Perkins Mastercard. This search will leave a footprint on your credit file which other lenders will be able to see and which may affect your ability to get credit for a short while.

    Q. Will the eligibility check register as a credit search?

    No, when NewDay check your eligibility this is only a quotation search. This means when we obtain your credit report information we only leave a "soft" footprint on your credit record which cannot be seen by other lenders, and so will not impact on your credit rating.

    Q. How long will it take to complete an application?

    The initial eligibility check can take between 5 – 10 minutes, if you choose to proceed with the full application it can take a further 5 – 10 minutes for you to provide the further information NewDay need.

    Q. How long does it take to get a decision?

    The eligibility check will give you an indication of whether NewDay are likely to offer you credit and the APR we think we could offer you within a few seconds. If you then complete the full application and you’re accepted, NewDay will let you know straight away. However, NewDay may need to refer your application to an underwriter who will assess and aim to respond within 48 hours. They may contact you for further information before making a final decision which could take up to 28 days after you make your full application.

    Q. What happens if I apply for an account and change my mind after the application has been processed?

    You have 14 days from the day after you receive your card to tell NewDay you want to withdraw from the agreement. You can do this by writing to us at NewDay Ltd, Customer Service Department, P.O Box 700, Leeds LS99 2BD. Alternatively you can call us on 0333 220 2503*. We will tell you how much to repay and how to pay it. From then you have 30 days to pay any outstanding balance including any interest.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. I already have a Mastercard or store card with Dorothy Perkins. Can I apply for a new one?

    If you already have an existing account, you must not apply for another Dorothy Perkins Mastercard.

    Q. How do NewDay use the information I give them?

    The details you provide on your application form help NewDay to make responsible lending decisions. Details of how we use your information are available in our Privacy Policy.

    Q. Can I apply again if I am declined?

    NewDay would advise that you check your credit report and avoid reapplying for at least six months. However, if you have agreed to this, NewDay may be able to let you know about other credit cards that may be of interest to you.

     

  • Credit Searches

    Q. Will NewDay carry out a credit search?

    All applications are first required to complete the eligibility check, however this only leaves a ‘soft footprint’ on your credit report, which cannot be seen by other lenders and so will not impact your credit rating.

    Should you then choose to proceed with the full application, as a responsible lender, NewDay will then carry out a full credit search. This search will leave a footprint on your credit file which other lenders will be able to see and which may affect your ability to get credit for a short while.

    Q. What is a credit score?

    Credit scoring is the system most major banks and finance companies use when considering applications for borrowing to ensure that the borrowing will be affordable. It takes account of information you provide in your application, any information we may already have about you, and any information we may get from other organisations such as credit reference or fraud-prevention agencies. When we use information from other organisations, we will tell you who they are. The credit-scoring system gives points for each piece of relevant information and adds these up to produce a score. If your score reaches a certain level, we will generally accept your application. If your score does not reach this level, we may not accept your application or we may accept your application but offer you a higher APR than that advertised. We may sometimes use scores worked out by credit reference agencies when considering your application.

    Credit scoring produces consistent decisions and is designed to make sure that all applicants are treated fairly. We may also have other rules to decide whether we will lend.

    This does not mean that any applicant we have turned down is a bad payer. It simply means that based on the information available to us, we do not consider that it is appropriate to provide the credit.

    Q. How can I find out about my credit history?

    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 may charge you a small statutory fee.

    - CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0330 024 7574 or callcredit.co.uk

    - Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0344 481 8000 or experian.co.uk

    - Equifax Ltd, Customer Service Centre, P.O. Box 10036, Leicester LE3 4FS or call 0844 335 0550 or equifax.co.uk

    Q. Will applying for a card affect my credit rating?

    NewDay will carry out an eligibility check to give you an idea of how likely you are to be accepted for a Dorothy Perkins Mastercard and what APR we think we may be able to offer you. This will not impact your credit rating but will be record a “soft” footprint’ on your credit report. Please note other lenders or credit providers will not be able to see this check on your report.

    If you choose to proceed with the full application a full credit search will be carried out. This search will leave a footprint on your credit file which other lenders will be able to see and which may affect your ability to get credit for a short while.

    If you have recently opened several credit accounts or applied for a number of credit facilities in a short space of time, this could affect your credit rating and may mean that it is more likely that you will not be offered credit. This is because lenders wish to lend responsibly and may decline customers who they think may be taking on more credit than they can afford.

     

     

     

  • Credit Limit

    Q. What is a credit limit?

    This is the maximum amount you may borrow on the account, including the cash limit, if any.

    Q. How do NewDay decide my credit limit?

    This is based on information obtained from your application and the outcome of the credit search performed with the credit reference agencies.

    Q. Can I increase my credit limit?

    You can request an increase to your credit limit and NewDay will then make an assessment to see if we consider an increase affordable for you. NewDay regularly review credit limits to make sure that customers have the credit limit that we believe is right for them. NewDay is committed to lend responsibly and so our lending policy ensures that our customers don't become overburdened with debt. The assessment of the limit available to our customers is based on a combination of information available from the credit reference agencies and the information that we have about how you have managed your account. You can either log on to Online Account Manager or call Customer Services on 0333 220 2503* to request a credit limit increase.

    *Calls will cost no more than a standard national rate call. 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.

    Q. Can I decrease my credit limit?

    Yes, you can ask NewDay to reduce your credit limit to any amount, provided it is not lower than your balance. In order to do this, either log on to Online Account Manager or call Customer Services on 0333 220 2503*.

    *Calls will cost no more than a standard national rate call. 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.

    Q. Can NewDay increase my credit limit?

    NewDay regularly review credit limits to make sure that customers have a credit limit that we believe is right for them. We are committed to lend responsibly and so 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 information available from the credit reference agencies and the information that we have about how you have managed your account.

    As part of our commitment to ensure that we are lending responsibly, we conduct regular reviews of all our accounts. NewDay 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. If you do decide that you do not want the increase, we will not treat you any differently in the future.

    Q. Can NewDay decrease my credit limit?

    NewDay regularly review credit limits to make sure that customers have a credit limit that we believe is right for them. We are committed to lend responsibly and so 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 information available from the credit reference agencies and the information that we have about how you have managed your account.

    We may decrease your credit limit if we think that your credit limit is not right for you based on the way that you use your card, or the way that you manage your account or for any other good reason. We will let you know in advance of any decrease if we can, but this will not always be possible.

    Q. What happens if I go over my credit limit?

    You will be charged a £12 fee for exceeding your credit limit and this will affect your credit file and may make it more difficult for you to get credit in the future. Any over limit amounts are immediately repayable. If you have any promotional offers such as Buy Now Pay Later your promotion will be cancelled and you will pay the standard purchase rate.

    Q. What if the credit limit offered doesn’t cover the purchases in my basket, can the remainder be paid using another credit/debit card?

    Yes you are able to do this in store, but not online.

     

     

  • Temporary Card Number / Cards and PINs

    Temporary Card Number

    Q. Why have I been asked further personal questions?

    In order to provide you with a temporary card, NewDay need to ask additional questions to verify who you are. This is added as an extra level of security to protect consumers and businesses from fraud and money laundering. Once you have answered these questions correctly, we are able to provide you a temporary card and allow you to spend at dorothyperkins.com straight away up to your temporary credit limit.

    Q. Can I use the temporary card online and in store?

    No, your temporary card can only be used online. You will be sent an email with your temporary card details included. You’ll also receive an SMS with your security code and you will need both of these details to purchase on online at dorothyperkins.com.

    Q. Can I use the temporary card for multiple purchases?

    Yes, up to your credit limit. Your temporary card limit may be lower than the credit limit you will have when you receive your Dorothy Perkins Mastercard.

    Q. What will my credit limit be on the temporary card?

    NewDay will use information you have provided and the information that NewDay receive from the credit reference agencies to decide the amount of credit that we think is affordable for you. The amount that you will be able to spend on your temporary card will be less than this. If you already have a temporary card, you can check what your temporary and full credit limits are by referring to the document we provided you that contains your temporary card details.

    Q. When will my temporary card expire?

    Your temporary card will expire after 7 days.

     

    Cards & Pins

    Q. When will I get my card?

    You will receive your Dorothy Perkins Mastercard within 10 working days of signing your credit agreement and the terms and conditions. If you are provided with a temporary card it will be available as soon as you are accepted for credit.

    Q. How do I activate my card?

    The main account holder must activate the Dorothy Perkins Mastercard before it can be used. You can do this by calling 0800 915 2205*. Opening hours are: Monday to Sunday 8am to 9pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. What should I do if I do not receive my Dorothy Perkins Mastercard?

    If you do not receive your Dorothy Perkins Mastercard within 10 working days of a successful application, you should make NewDay aware by calling Card Services on 0333 220 2503*.

    *Calls will cost no more than a standard national rate call. 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.

    Q. What do I do if I lose my card or it’s stolen?

    As soon as you identify that your card has been lost/stolen, you should report it to us immediately on our Lost and Stolen Card Helpline on 0333 220 2531*. We will stop all transactions, block the card and will arrange for a replacement card to be sent to you as soon as possible.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. Where can I use my Dorothy Perkins Mastercard?

    At over 32 million outlets worldwide, wherever the Mastercard logo is displayed.

    Q. How will I know that my card is a Chip and PIN card? (Only applicable to Mastercard)

    Your Dorothy Perkins Mastercard will be sent to you with accompanying information to state that it is Chip and PIN. We will also provide you with essential information about using Chip and PIN.

    Q. When will I get my PIN? (Only applicable to Mastercard)

    You will receive your PIN within 7 days of signing your agreement. This will be sent in the post to the billing address of your Dorothy Perkins Mastercard.

    Q. How do I change my PIN? (Only applicable to Mastercard)

    You can change your PIN at any cash machine displaying the Mastercard logo. Simply insert your Dorothy Perkins Mastercard, type in your PIN, select PIN Services and follow the simple instructions.

    Q. What if I forget my PIN or get it wrong? (Only applicable to Mastercard)

    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 Customer Services to request a new PIN. Customer services can be reached by calling 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, an automated service is also available Monday to Sunday 4am to 11pm. You will receive your PIN reminder within 7 days, and you will need to unlock the PIN at an ATM.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. If I lose or forget my PIN, how do I get a PIN reminder? (Only applicable to Mastercard)

    You'll need to call Customer Services to request a PIN reminder. Customer services can be reached by calling 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm. You will receive a PIN reminder within 7 days.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. When will I get my PIN reminder? (Only applicable to Mastercard)

    You will receive your PIN reminder within 7 working days, and you will then need to unlock the PIN at an ATM.

    Q. Will I need to use my PIN when buying online, over the phone or via mail order? (Only applicable to Mastercard)

    No, you would only need to enter your PIN when purchasing in store. You may be asked to enter the 3 digit security code shown on the back of your card when purchasing online. Remember never reveal your PIN to anyone.

    Q. Can I use my Chip and PIN card abroad? (Only applicable to Mastercard)

    Chip and PIN has been introduced in most countries. Where this is not the case, you will be asked to sign a receipt. Therefore it is very important you still sign the back of your card as soon as you receive it.

     

     

  • Balance Transfers (Only applicable to Mastercard)

    Q. What is a Balance Transfer?

    A Balance Transfer is a facility you may be offered if you are accepted for a Dorothy Perkins Mastercard. It enables you to transfer a balance held on another card(s) to your new Dorothy Perkins Mastercard.

    Q. Is there a fee for Balance Transfers?

    The Balance Transfer handling fee is up to 5% of the amount transferred and will be charged each time you make a transfer. NewDay will let you know the fee payable when you request a balance transfer. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you. If you exercise your right to withdraw from your credit card agreement within 14 days of receiving your card, the fee will be refunded.

    Q. How can I request a Balance Transfer?

    To request a Balance Transfer, your Dorothy Perkins Mastercard must be activated and you should call Customer Services on 0333 220 2503*. Please have the full details of the balances you want to transfer to hand.

    *Calls will cost no more than a standard national rate call. 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.

    Q. How long will it take to process a Balance Transfer?

    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. 

    Q. How much can I transfer?

    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 NewDay’s approval.

    Q. 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 they are UK credit card/store card balances. However, you cannot transfer balances from another card provided by NewDay Ltd. All transfers are subject to NewDay’s approval.

    Q. When will interest be charged on my Balance Transfer?

    Interest will be charged at the end of the promotional period and we will let you know what this is before your balance transfer is processed.

    Q. What happens if I miss a payment or go over limit?

    If you do not make a requested payment in full and on time or if you go over limit, your Balance Transfer promotional period will end and NewDay will start to charge interest on your Balance Transfer. We will also charge a fee for missing a payment and/or going over limit.

  • Protecting you and your card

    Q. How can I protect my card from fraud and misuse?

    To avoid your card and account falling into the wrong hands, you should activate your card and sign the back of it as soon as you receive it.

    If you already have your Dorothy Perkins Mastercard, 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 it. If you change your PIN, make sure you choose it carefully. Never give your PIN 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 Customer Services immediately by calling 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, an automated service is also available Monday to Sunday 4am to 11pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. What should I do if I don’t recognise a transaction on my account?

    Please contact Customer Services straightaway by calling 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. How do I report my card lost or stolen?

    You should report it to us immediately on our Lost and Stolen Card Helpline on 0333 220 2531*. We will stop all transactions, block the card and will arrange for a replacement card to be sent to you as soon as possible.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. What do I do if I suspect fraud on my account?

    Contact Customer Services immediately so that we can investigate this for you. Customer services can be reached by calling 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. In what circumstances will NewDay suspend use of the card?

    NewDay may at any time suspend your right to use the card or the account; we may do this 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.

  • Rates and charges

    Q. What is estimated interest?

    The estimated interest 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.

    The estimated amount is based on the following assumptions:

    - You only pay the minimum payment amount shown on your statement.

    - Your balance doesn't increase before your next statement date due to any more purchases, cash advances, Balance Transfers or Money Transfers.

    - The minimum payment is applied to 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.

    Q. Will I be charged extra for using my card abroad? (Only applicable to Mastercard)

    You can make purchases at over 32 million places worldwide, wherever you see the Mastercard logo. 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. 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 Mastercard.co.uk.

    Q. What do NewDay mean by APR?

    It means 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 is to help you to compare the cost of credit.

    Q. Where can I find my APR?

    The APR applicable to your account will be shown on your credit agreement.

    Q. Is there an annual fee for the Dorothy Perkins Mastercard?

    No, there is no annual fee on the Dorothy Perkins Mastercard.

    Q. Can I withdraw cash on my card? (Only applicable to Mastercard)

    Cash withdrawals are available on the Dorothy Perkins Mastercard. You are able to withdraw cash from any cashpoint that displays the Mastercard logo. There is a cash advance fee of 3% or £3 (whichever is greater) every time you withdraw cash. There is no interest free period on cash withdrawals.

    Q. Can I use my card for gambling online?

    Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

    Q. Can I purchase travel money or travellers cheques using my card?

    Yes, however please be aware that these are treated as cash transaction and the appropriate fees and interest will be charged on this type of transaction.

    Q. When does NewDay charge interest?

    Interest is calculated from the date the transaction is added to your account until the balance is repaid in full unless you have a promotional offer in which case we will tell you how we charge interest on this at the time.

    Q. Why would NewDay change my interest rate?

    NewDay may change interest rates for the reasons set out in the terms and conditions. This could, for example, be to reflect rate moves in the market, increases in our operating or funding costs 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.

    Q. What other charges may be applied to my account?

    You can view other rates and charges by viewing the Summary Box.

    Q. How much will I have to pay to my account each month?

    The minimum payment will be the sum of:

    (i) 1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus

    (ii) the amount of any interest, and Default Fees charged to your Account in the current Statement Period plus

    (iii) the amount of any arrears (which are immediately repayable), subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable too.

    Q. 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:

    (i) 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.

    (ii) 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, money transfers, payment protection insurance premiums, balance transfers, other promotional transactions, purchases and other transactions. If you have more than one promotional transaction at the same rate, your payment will be applied first to the promotional transaction that has the earliest promotional period start date.

    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.

    Q. What should I do if I am experiencing financial difficulties?

    If you are having difficulties with your repayments please call NewDay Customer Services as early as possible and we can suggest ways to help. Customer services can be reached by calling 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

     

     

  • Managing your account

    Q. Can I manage my Dorothy Perkins Mastercard account online?

    Yes. Using our Online Account Manager, you can change personal details, view transactions history, make payments, manage Direct Debits and view/print/download statements online 24 hours a day, 365 days a year.

    Q. When will I get a statement?

    You will receive a statement once a month, when there is any movement on the balance on your account. Your statement date will be determined by NewDay and you can find out this date by contacting Customer Services on 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

    * Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. What are eStatements?

    eStatements give you the same information as paper statements, but you view them through the Online Account Manager rather than receiving a paper copy by post. To sign up for eStatements - sign in to the Online Account Manager  to update your preferences under ‘My details’. You can view, print and download your statements as and when it suits you. eStatements are free, completely secure and come in the same format as your paper statement. You will receive a reminder email each month to let you know that your statement is available which you can download and save at your convenience. eStatements are more secure - there is no need to file or shred old statements.

    Q. Making a payment

    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:

    - By Direct Debit - You can set up a Direct Debit to pay the minimum payment amount, the full balance or a fixed amount on your card automatically every month (Remember if fixed amount selected this should cover the minimum payment and if it does not, we will always collect at least the minimum payment). You can also set up a Direct Debit using the Online Account Manager under ‘Manage payments’. Alternatively, you can call Customer Services on 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

    - By Internet or Telephone Banking - You'll need to provide your bank with our sort code 09-01-09, our account number 01000007, and your card number.

    - By Telephone - Call Customer Services on 0333 220 2503* to pay using a debit card, you can also pay using our automated service and select option 1. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm. 

    - By Post - Please send your payment at least seven working days before the payment due date. Please do not send post-dated cheques or cash. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line and send to NewDay Ltd, PO Box 218, Rotherham, S98 1NS.

    - At any bank - Please make your payment by cheque or cash at least five working days before the payment due date by using the Bank Giro Credit slip attached to your statement – your bank may charge a fee for this service. Please ensure the cheque is made payable to NewDay Ltd, with the 16 digit account number included on the first line.

    - Online – Payments can be made online by logging onto your account and selecting the option to make a payment.

    - In-store – Simply take your card into any UK Dorothy Perkins store and you will be able to pay your account using cash or a debit card.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. Can I change the day that my payment is due?     

    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*.

     

    Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. How much can I pay each month?

    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.

    Q. What is the minimum that I have to pay each month?

    The minimum payment will be the sum of:

    (i)       1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus

    (ii)     the amount of any interest, and Default Fees charged to your Account in the current Statement Period plus

    (iii)    the amount of any arrears (which are immediately repayable) subject to this being a minimum of £5. If the total outstanding balance is less than £5, then the minimum payment due will be the total outstanding balance. If you are over your credit limit, this amount is immediately repayable too.

    Q. Will it cost me more if I only make the minimum payment?

    Yes. If you make only the minimum payment each month it will take you longer and cost you more to clear your balance due to incurring interest on your account.

    Q. What happens if I miss a payment?

    You will incur a late payment charge of £12 and interest charges, you can view other rates and charges by viewing the Summary Box. We may also provide 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.

     

    Q. What is a preauthorised transaction? What happens if I enter into one?

     

    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.

     

    Q. Can I request a copy of my terms and conditions?

     

    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.

     

    To speak to customer services for your Dorothy Perkins Mastercard, please call us on: 0333 220 2503*. To speak to customer services for your Dorothy Perkins store card, please call us on: 0333 220 2502*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

     

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

     

    Q. 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.

     

    Please note that this does not affect any rights and obligations you or we have under the Data Protection Act 1998 and you may withdraw this consent by closing your account. If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes as set out in our Privacy Policy.

    Q. Can I apply for an additional cardholder on my account?

    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 a close relative, a permanent UK resident and live at the same address as you. You will be responsible for all use of the card by the additional card holders; they will also share your credit limit. You can request for any additional card holders 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 log onto Online Account Manager or speak to Customer Services by calling 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. How do I cancel an additional Cardholder on my account?

    To cancel your additional Cardholder call Dorothy Perkins Mastercard customer services on 0333 220 2503*, or for a Dorothy Perkins store card call 0333 220 2502*. Opening hours are: Monday to Sunday 8am to 9pm.

    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.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. Can I re-open my account if I close it?

    No, if you would like a new account, please apply again.

    Q. Are there any costs or charges if I decide I don’t want the card anymore?

    You will not pay any costs or charges if you decide to close your account.

    Q. How do I end the agreement if I decide I don’t want the card anymore?

    Call Customer Services on 0333 220 2503* or write to us at: at NewDay Ltd, Customer Service Department, P.O. Box 700, Leeds LS99 2BD.

    *Calls will cost no more than a standard national rate call. 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.

     

     

     

     

     

     

  • Third Party Providers (TPP) / Contact us / Privacy Policy / Cookie Policy

    Third Party Providers (TPP)’ 

    Q. Can I grant a third party access to my online payment account?

     

    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:

    - The terms and conditions of your card will still apply.

    - We will give the TPP access to your account information only, and in the same way as if you were accessing it directly.  For example, they will be able to see your recent transactions and your outstanding balance.   The TPP is not permitted to change any of your preferences, direct debit details or any information about you and cannot initiate a payment from your account.

    - Although you must not, generally, give the security details you use to log-in to our online service to anyone else, you may give them to a TPP if it is necessary to do so.  They should agree with you that they will keep these details safe and will only use them for the purpose(s) you have agreed with them.

    - We can refuse to allow a TPP to access your account where we are concerned about unauthorised or fraudulent access by that TPP. 

    - All TPPs must be authorised or registered with the Financial Conduct Authority (or another EEA regulator) and so you must check, from the information that the TPP gives you before you use their services, that the TPP is authorised or otherwise permitted by law to provide such services. If you give your security details to a TPP that is not authorised, we will assume it is you authorising us to give access to your account. If we become aware that an unauthorised third party is using your security details, we will block access to your account.

    Contact us

    Q. Card activation

    To activate your Dorothy Perkins Mastercard, please call us on: 0800 915 2205*. Opening hours are: Monday to Sunday 8am to 9pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

     

    Q. Contact us online

     

    1. You can send us a message online by logging into your online account manager.
    2. If you are not registered for our online services, you can do so here.
    3. Alternatively, if you are not a Dorothy Perkins cardholder, but wish to contact us online, please click here.

    Q. Customer services

    To speak to customer services for your Dorothy Perkins Mastercard, please call us on: 0333 220 2503*.

    To speak to customer services for your Dorothy Perkins store card, please call us on: 0333 220 2502*.

    Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. Payments

    To make a payment, please call us on: 0333 220 2503*. Opening hours are: Monday to Sunday 8am to 9pm, automated service also available Monday to Sunday 4am to 11pm.

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. Lost or stolen

    For lost, stolen cards or suspected fraudulent transactions, please call one of the following numbers:

    From the UK call us on: 0333 220 2531*

    Outside the UK call us on: +44 (0)208 181 0800*

    *Calls will cost no more than a standard national rate call. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

    Q. Complaints

    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

    NewDay Ltd

    PO BOX 700

    Leeds

    LS99 2BD

     

    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: complaint.info@financial-ombudsman.org.uk. 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

    Q. Who are NewDay Ltd and how do I contact them?

    NewDay Ltd issue and operate the Dorothy Perkins Mastercard and store cards.

    Key facts about NewDay Ltd:

    Contact address: Customer Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.

    Credit 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 together form part of the NewDay Group of Companies.

    The registered office for these companies is: 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 690292 and 682417 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. The NewDay trademarks are used by NewDay Ltd under licence from NewDay Cards Ltd.

    NewDay Ltd and NewDay Cards Ltd. are registered with the Office of the Information Commissioner – New Day Ltd Data Protection Register Entry Number Z272680X and Z5599433 respectively.

    VAT Registration Number 100 1745 76.

    NewDay Ltd is a member of the Finance and Leasing Association (FLA) and subscribes to the FLA’s Lending Code. NewDay Ltd also adheres 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.

    If you'd like to find out more, please visit newday.co.uk 

     

    Privacy Policy

    Please click here to see the Privacy Policy.

     

    Cookie Policy

    Please click here to see the Cookie Policy.