- I am 18 years or over, a permanent resident in the UK and have been for the last 12 months.
- I have a good credit history with no previous defaults or County Court Judgements.
- I have a current UK bank Account and a registered UK telephone number (landline or mobile phone).
- My partner or myself are in permanent paid employment (minimum 16 hours a week) self employed or retired, or in receipt of incapacity allowance.
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What is the No-Quibble Guarantee?
In the unlikely event that you are not totally satisfied with your Topman Card, please call GE Money Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm, and take advantage of our No-Quibble Guarantee. If you contact us within 60 days of opening your Account and then pay off your outstanding balance within 30 days, we will close your Account for you and waive the interest charges and fees. This guarantee is in addition to and does not affect any statutory rights that you may have. Back To Top
Can I apply for an additional Cardholder on my Account?
Yes, for a partner or family member who must be over 18 years old and over. The Account holder will be responsible for the additional Cardholders spending. You will be given the opportunity to do this when you call to apply. If you are already a Cardholder, you can call Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm. Back To Top
What is the typical APR?
The typical APR for the Topman Card is 19.9% APR variable. It is the rate that at least 66% of people who apply and are accepted for a Topman Card will receive. Back To Top
What is estimated interest?
Account Card providers show on statements an estimate of the amount of interest payable where a customer only makes the minimum payment amount. The estimated 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. - 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 or Balance 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.
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Can I request a lower credit limit?
Yes, call Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras.) Open Monday – Sunday 8am – 9pm, to reduce your credit limit. If we need to reduce your credit limit for any reason, you will be informed in advance in writing. Back To Top
How much will I have to pay to my Account each month?
You must make a minimum monthly payment of £4 or 4% of the outstanding balance (whichever is greater), or the full balance if it is less than £4. Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more. Alternatively you can pay your balance in full using any of the payment methods listed under - How can I make a payment to my Account? Back To Top
How are payments applied to my Account?
We will apply payments to the Account in the following order:
a) First, in payment of any insurance premiums, interest, charges or fees (in that order);
b) Next, in repayment of Balance Transfers followed by payments using Convenience Cheques (those with lower interest rates being paid before those with higher rates);
c) Then, in repayment of Retail Purchases, Till Cash Transactions 1 and Cash Transactions 1 (in that order and in the order in which they were debited to the Account);
d) Finally, in repayment of Buy Now Pay Later Transactions and Pay No Interest Transactions in the order in which they were debited to the Account. 1If permitted on the Account Back To Top
What should I do if I am experiencing financial difficulties?
If you are experiencing financial difficulties, or having problems meeting your payment obligations, you should contact us as soon as possible on Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm. For simple, clear, independent information about money: Facts, case studies and useful contacts to help you make good money decisions, click here: www.moneybasics.co.uk. Back To Top
Where can I use my Topman Card?
You can use your Topman Card in Topman, Burton, Dorothy Perkins, evans, Miss Selfridge, Outfit, Topshop, Wallis and Bhs. You can also use your Topman Card online at TOPMAN.COM.
If you have trouble tracking your order you can email feedback@TOPMAN.COM with the date your order was placed, your reference number for each order, your full name, billing address and phone number. Topman will check your order status and send you an update. Back To Top
How often will I receive my statement?
You will receive your statement monthly when you spend regularly, or have a balance on your Account. If you do not have a balance you will receive a statement at the minimum intervals as required by law. Back To Top
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How can I make a Payment to my Account?
You have four choices: 1.By post:
Send the Giro slip from your statement with a cheque payable to GE Money, to: PO Box 848, Liverpool, L71 2XX. Your Account number must be quoted on the back of your cheque. Please allow seven working days for the payment to be credited to your Account, and extra time during busy postage periods and bank holidays. 2.By telephone:
Call Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras.) Open Monday – Sunday 8am – 9pm. 3.By cheque/cash
Call into any bank with the Giro slip attached to your Topman Card statement, and a cheque made payable to GE Money (please note that some banks may charge a small handling fee).
Please allow five working days for the payment to be credited to your Account. 4.By Direct Debit
Set up a Direct Debit over the telephone by calling Customer Services on 0871 522 5252 [(Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm.
Your total or minimum payment will be debited from your bank Account on time, every month. For more information simply call Customer Services on 0871 522 5252 [(Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm. If you want to pay more than the minimum monthly payment, or pay off the outstanding balance in full, you can just complete the payment slip at the bottom of your statement. You can take your payment into any bank or post to the address above. Extra payments must reach us at least four days before your Direct Debit is due, to allow us to cancel it for that month. Back To Top
What if I have a query about my Topman Card?
Queries regarding your Account should be directed to GE Money who operates the Topman Card on behalf of Topman. GE Money Customer Services can be contacted on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm. Back To Top
What should I do if I have not received my Topman Card?
If you do not receive your Topman Card within 10 days of a successful application, you should make us aware by calling Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm. Back To Top
How can I change my personal details?
If you need to change your personal details you should call Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm. If you wish to make a change to your name you must write to us providing a copy of document, which confirms your name change (for example, a marriage certificate), for verification purposes. Please send your letter to: GE Money, Customer Services Department, and PO BOX 700, Leeds LS99 2BD. Back To Top
How do I report my Card lost or stolen?
If your Card is lost or stolen, you should report this to us immediately by calling Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm. Back To Top
What if I have a complaint about my Topman Card?
Call Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm, and every effort will be made to sort out your problem right away. If you feel that your complaint has not been dealt with in a satisfactory manner, you may contact the Finance and Leasing Association (of which GE Money is a member). They run a conciliation and arbitration scheme to help members and their customers resolve difficulties. The address is: Imperial House,
15-19 Kingsway,
London WC2B 6UN Or Visit www.fla.org.uk. Alternatively, you should call Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras). Open Monday – Sunday 8am – 9pm. Back To Top
Who are GE Money and how do I contact them?
GE Capital Bank Ltd, trading as GE Money, issues and operates the Topman Card. If you need to contact GE Money you should call Customer Services on 0871 522 5252 (Calls may be recorded or monitored. Calls cost 10p per minute plus network extras.) Open Monday – Sunday 8am – 9pm. GE Money is a member of the Financing and Leasing Association. They run a conciliation and arbitration scheme to help members and their customers resolve difficulties. For more information, you can write to them at: Finance and Leasing Association, Imperial House, 15-19 Kingsway, London WC2B 6UN, or, visit www.fla.org.uk. Other Key Facts about GE Money: - Customer Service contact address: PO Box 700, Leeds, LS99 2BD
- Credit is provided by GE Capital Bank Limited, trading as GE Money, Registered Office, 6 Agar Street, London WC2N 4HR
- Company Registered in England No: 1456283
- GE Money are licensed by the Office of Fair Trading (Consumer Credit License Number: 154771) and registered with the Financial Services Authority (reference number: 204572). further details are available at www.oft.gov.uk and www.fsa.gov.uk.
- GE Money, are registered with the office of the information Commissioner - Data protection Register Entry Number: Z5750586
- Company Registered in England No: 1456283
VAT registration number - GB545 723 044 Back To Top
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