1. Applying for a card

How do you decide whether I qualify for a Laura Ashley Mastercard?

To qualify for a Laura Ashley 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 a Laura Ashley Mastercard
  • have a regular income

NewDay Ltd will also perform a credit search to verify that you meet the criteria for credit.

How long will it take to complete an application?

It should take 10 – 15 minutes.

How long does it take to get a decision?

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.

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 us you want to withdraw from the agreement. You can do this by writing to us, or calling Laura Ashley Card Services on 0333 220 2529*. 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.

Can I apply again if I am declined?

We would advise that you check your credit report and avoid reapplying for at least three months.

How do you use the information I give you?

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

2. Credit Searches

Will you carry out a credit search?

As a responsible lender, we will always carry out a credit search.

What is a credit score?

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.

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 will charge you a small statutory fee.

  • Call Credit Limited, Consumer Services, P.O. Box 491, Leeds LS3 1WZ or call 0330 024 7574 or log onto www.callcredit.co.uk (Consumer Help Section).
  • Equifax, Customer Relations, P.O. Box 10036, Leicester LE3 4FS or call 0844 335 0550 or log on to www.myequifax.co.uk.
  • Experian, Consumer Help Service, P.O. Box 8000, Nottingham NG80 7WF. Call 0344 481 8000 or log on to www.experian.co.uk.

Will applying for a card affect my credit rating?

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.

3. Credit Limit

What is a credit limit?

This is the maximum amount of money available to spend on your account.

How do you decide my credit limit?

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

Can I increase my credit limit?

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.

Can I decrease my credit limit?

Yes, we can decrease your credit limit to any amount, provided it is not lower than your balance.

Can NewDay Ltd change my credit limit?

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.

What happens if I go over my credit limit?

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.

4. Balance Transfers

What is a Balance Transfer?

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.

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. 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

How can I request a Balance Transfer?

To request a Balance Transfer, your Mastercard must be activated and you should call Laura Ashley Card Services on 0333 220 2529*.

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.

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 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.

5. Cards and PINs

When will I get my card?

You will receive your card within 10 days of signing your credit agreement and the terms and conditions.

How do I activate my card?

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.

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 will need to call Laura Ashley Card Services on 0333 220 2529* so that we can block your card and issue you with a new one.

Where can I use my Mastercard?

At over 36 million locations worldwide, wherever the Mastercard logo is displayed.

How will I know that my card is a Chip and PIN card?

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.

When will I get my PIN?

You will receive your PIN within five days of signing your agreement.

How do I change my PIN?

You can change your PIN at any cash machine displaying PIN Services and by following the simple instructions.

What if I forget my PIN or get it wrong?

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 Laura Ashley Card Services on 0333 220 2529* to request a new PIN.

Will I need to use my PIN when buying online, over the phone or via mail order?

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.

Can I use my Chip and PIN card abroad?

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.

Can I apply for a chip and signature card?

If you are unable to use a PIN, call Laura Ashley Card Services on 0333 220 2529* and we will be able to provide you with a Chip and signature card.

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 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 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 call Laura Ashley Card Services on 0333 220 2529*.

6. Protecting you and your card

How can I protect my card from fraud and misuse?

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 Laura Ashley Card Services on 0333 220 2529* immediately.

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

Please contact Laura Ashley Card Services on 0333 220 2529* straightaway.

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 2529*. We will stop all transactions and will arrange for a replacement card to be sent to you as soon as possible.

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

Contact Laura Ashley Card Services on 0333 220 2529* immediately, so that we can investigate this for you.

In what circumstances can you suspend use of the card?

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.

7. Rates and charges

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. This 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. If any change in your interest rate has been notified to you, the estimated interest will take this change into account
  • The amount takes no account of any delayed payment promotions we may offer in the period ahead

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

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.

What do you mean by APR?

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.

Where can I find my APR?

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

Can I withdraw cash on my card?

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.

When do you charge interest?

From the date the amount is debited from your account.

Why would you change my interest rate?

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.

What other charges may be applied to my account?

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

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

The minimum payment will be the sum of

  1. 1% of the Standard Balance shown on your statement (including the interest, Default Fees and arrears) plus
  2. The amount of any interest, and Default Fees charged to your Account in the current Statement Period plus
  3. The amount of any arrears, which are immediately repayable; subject to this being a minimum of £5. If the total of your Standard Balance is less than £5, then the minimum payment due will be the total outstanding balance. Any over limit amount is immediately repayable. Any amounts on your Buy Now Pay Later Balance will not be included in your minimum payment.

How are payments applied to my account?

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:

  1. It will be allocated to the different amounts of your outstanding statemented Standard Balance that are charged at higher interest rates before those that are charged at lower interest rates.
  2. 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.
  3. If you pay more than the Standard Balance shown on your statement in any month we will apply your payment to Transactions on your Standard Balance which are not shown on your statement before any Transactions on your Buy Now Pay Later Balance which are shown on your statement.

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.

What should I do if I am experiencing financial difficulties?

If you are having difficulties with your repayments please call Laura Ashley Card Services on 0333 220 2529* as early as possible and we can suggest ways to help.

8. Managing your account

Can I manage my card account online?

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.

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. If you choose a fixed amount, this should be for an amount that will be more than your minimum payment. If in any month it is less, we will always collect at least your minimum payment. You can also set up a Direct Debit using the Online Account Manager under ‘Manage payments’. Alternatively, you can call Laura Ashley Card Services on 0333 220 2529*
  • 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 Laura Ashley Card Services on 0333 220 2529* to pay using a debit card.
  • By Post – Please send your payment at least seven working days (a working day is defined as Monday – Friday, excluding bank holidays) 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 (a working day is defined as Monday – Friday, excluding bank holidays) 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.

Can I change the day that my payment is due?

Yes. It’s one of the benefits of being a Laura Ashley 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 2529*.

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.

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

The minimum payment will be the sum of

  1. The amount of any interest, and Default Fees charged to your Account in the current Statement Period plus
  2. 1% of the Standard Balance shown on your statement plus
  3. The amount of any arrears, which are immediately repayable; subject to this being a minimum of £5. If the total of your Standard Balance is less than £5, then the minimum payment due will be the total outstanding balance. Any overlimit amount is immediately repayable. Any amounts on your Buy Now Pay Later Balance will not be included in your minimum payment.

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

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

What happens if I miss a payment?

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.

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.

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

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

Are there any penalties, costs or charges if I decide I don’t want the card any more?

You will not receive any penalties, costs or charges if you decide to close your account.

How do I end the agreement if I decide I don’t want the card any more?

Call Laura Ashley Card Services on 0333 220 2529*, or write to us at Laura Ashley Card Services, NewDay Ltd, PO Box 700, Leeds, LS99 2BD.

9. Statements

When will I get a statement?

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 Laura Ashley Card Services on 0333 220 2529*.

What are eStatements?

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’.

10. Third Party Providers (TPP)

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.

11. Requesting T&Cs

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 on 0333 220 2529*.

12. Customer Consent

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.

13. PPI Complaints

What is Payment Protection Insurance (PPI)?

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.

Want to find out more about PPI?

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.

Or write to:
9 Nelson Street

14. Contact us

Who are NewDay Ltd and how do I contact them?

Key facts about NewDay Ltd:

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 2009 (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

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 Laura Ashley cardholder, but wish to contact us online, please click here.

Customer services

To speak to Customer Services, please call us on: 0333 220 2529*


If you have a complaint related to your Laura Ashley 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
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 Laura Ashley 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.