nigel woollsey

Nigel Woollsey

Online Writer
Published: 28/03/2019

At a glance

  • Store cards are often an expensive way of borrowing unless you pay them off immediately – usually they have significantly higher interest rates than credit cards.
  • Store cards are generally restricted to one store or a retail group.
  • Store cards are generally just branded cards issued by other lenders.

Store cards can be tempting if you regularly shop at a particular high street retailer.

Nowadays, you can walk into high street shops and they'll offer you their own card. While store cards can have great benefits, it's wise to be cautious – they're credit cards like any other, and interest charges tend to be higher than a standard credit card if you don't pay off your bill in full every month.

See our guide: Should you take out a store card?

Which credit provider issues your store card?

If you take out a store card, the credit you get will not usually be given by the store itself. Cards are just branded and issued by credit providers.

Find your card in our list of the main UK store cards to see who provides the credit. All the credit issuers shown are authorised by the Financial Conduct Authority.

Store Card

Credit Provider

Argos

Home Retail Group

Karen Millen Card

Ikano Financial Services

New Look Card

Ikano Financial Services

My Oasis Card

Ikano Financial Services

Warehouse Card

Ikano Financial Services

 

Moneyfacts tip

Moneyfacts tip nigel woollsey

If you have been declined credit when applying for a store card, don't try again until you have checked your credit profile. It helps to understand how credit scores work.

What next?

Read our guide Nine steps to score on your credit rating to help you work out how to improve your credit rating for next time.

Should you take out a store card?

Compare whole of market credit cards

Looking to improve your credit rating? Spend a few minutes to check your credit rating today!

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

credit cards

At a glance

  • Store cards are often an expensive way of borrowing unless you pay them off immediately – usually they have significantly higher interest rates than credit cards.
  • Store cards are generally restricted to one store or a retail group.
  • Store cards are generally just branded cards issued by other lenders.

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