Discount applies to full price items only. Excludes large appliances, toys & electricals.
Credit is subject to status and creditworthiness. Terms and conditions apply*
Discount applies to full price items only. Excludes large appliances, toys & electricals. Credit is subject to status and creditworthiness. Terms and conditions apply*
Have it now and pay later with our personal account - because we know, some things just can't wait for payday.
Our speedy application process means you’ll get an instant decision, and up to £400 credit limit if you are approved, so you can go shopping straight away. Yay!
Access and manage your account from all your devices, anywhere at any time.
We’ll send you handy payment reminders to help you know when a payment is due.
With your account details securely stored, our speedy account check out means you won’t have to hunt around for your card.
You can spread the cost of your shopping by choosing to pay in simple instalments.
If you choose to spread the cost by opening a personal credit account it will cost you more than if you pay for the items in full.
*30% discount applies to home, fashion, footwear and lingerie. Subject to a successful credit application, apply code GET30 at checkout to receive your discount. Discount applies to full price items only. Excludes outlet, sale, large appliances, electricals and toys. Pay no interest until March 2019. New credit customers applying by 7 January 2019. Representative 39.9%APR variable thereafter. Credit subject to status and creditworthiness. Terms and Conditions apply. JD Williams & Company Ltd is authorised and regulated by the Financial Conduct Authority and can be found on the Financial Services Register. Firm Reference Number 311618. Registered office, Griffin House, 40 Lever Street, Manchester M60 6ES. Registered in England No. 178367. VAT registration number: 148 8796 03.
**We’ll send your first statement within 28 days of opening your account and every 28 days thereafter, which will explain how much you’ll need to pay and when.
FULL OFFER TERMS & CONDITIONS
WHO IS ELIGIBLE? - The offer is open to new personal credit account customers, and those converting their cash account to a personal credit account, who apply and are accepted between 18th of September 2018 and 7th January 2019. This offer is not available to existing personal credit account customers.
HOW WILL INTEREST BE CHARGED AND WHEN WILL I PAY IT? - You will not pay any interest until your March 2019 statement providing that you pay at least the minimum payment by the payment due date shown on each previous statement. Interest on the March 2019 statement will be calculated using the standard interest charging method detailed in your credit agreement. It will include interest on purchases made between the date your account was opened and interest on the opening balance of your March 2019 statement. That opening balance may include purchases made in previous statement periods.
DO I HAVE TO PAY INTEREST? - No, if you pay the full balance shown on your February 2019 statement by the payment due date, you will not pay any interest. However, if you pay less than the full balance, or you are late in making or fail to make any payment, you will be charged interest as set out above.
WHAT DO I NEED TO PAY? - In order to keep your promotional interest rate, you must pay at least the minimum payment shown on any statements you receive by the payment date shown on the statement.
WHAT HAPPENS IF I PAY LATE OR MISS A PAYMENT? - The promotional interest rate will end and you will be charged interest at the standard rate on purchases and opening balance on your next statement. We will calculate that interest in the manner set out in your credit agreement. You may also be charged a £12 administration fee.
WHAT ELSE DO I NEED TO KNOW? - If you choose not to pay the full balance shown on your February 2019 statement, we will charge you interest for any purchases you made before that statement was generated.