Shop your way
with a credit account
Your First Credit Order & Pay no interest until October 2020.*
Use code 25OFF at checkout
Representative 39.9%APR variable
Credit subject to status. Terms & conditions apply^
More reasons to love
a credit account
Try Before You Buy
We'll send your first statement within 28 days of opening your account and every 28 days thereafter, which will explain how much you need to pay and when.
Our application process is straightforward and secure. You'll get an instant decision and can start shoping as soon as you're approved.
Pay Your Way
You decide how you'd like to pay. Either spread the cost of your purchase over smaller, manageable chunks or pay in full within 21 days of your 1st statement date.
If you choose to spread the cost by using a personal credit account, it will cost you more and take you longer to pay off than if you pay for the items in full
Stay In Control
With access to your Credit Account available on all your devices, you're always in control.
We provide helpful statement and payment reminders to keep you up to date.
With your account details securely stored, you won't have to remember them each time you shop. You can check out in two easy clicks!
*25% off discount applies to fashion, footwear, lingerie & soft furnishings. Sale, Outlet and all other departments excluded. Pay no interest until October 2020. New credit customers applying by 31st July 2020. If you choose not to pay your balance in full by the due date on your September statement, your October balance will include; (i), interest charged on the closing balance of your September statement, and (ii) interest charged on your purchases made between your August and September statement dates, from the date each purchase was applied to your account. If you fail to make the minimum payment requested on your statement during the promotional period, the promotional interest rate will end, and you will be charged interest at the standard rate on the closing balance of your previous statement, from the date each purchase was applied to your account. You may also be charged a £12 administration fee in accordance with our credit terms and conditions. See below for full terms and conditions.
JD Williams & Company Ltd trading as Ambrose Wilson 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.
Full offer terms & conditions
Who is eligible?
The offer is open to new personalcredit account customers, and those converting their cash account to a personal credit account, who apply and are accepted between 3rd of July 2020 and 31st July 2020. 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 October 2020 statement providing that you pay at least the minimum payment by the payment due date shown on each previous statement. Interest on the October 2020 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 October 2020 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 September 2020 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 September 2020 statement, we will charge you interest for any purchases you made before that statement was generated.