What is Fashion World?

Before discussing the Fashion World credit account, let's look at who they are. Fashion World is a UK fashion company who prioritise plus size womenswear. With that said, they also offer 1000s of items for both men and women of all sizes and other items such as homeware, garden equipment and beauty products.

Fashion World is popular because of the countless clothing items they provide for people of all shapes and sizes as well as the various deals they offer, such as its credit account and unlimited delivery service.

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How Does Fashion World's Credit Account Work?

We'll now explore how this credit account functions. A Fashion World credit account allows customers to purchase items from the website on credit, with a limit of £200.

This credit account features a variable interest rate but on the plus side, you can get 30% off your first order and pay 0% until March 2021, as of December 2020 when you join.



To sign up, you'll need to fill out a Fashion World online form, in which you'll be asked questions such as what is your name, phone number and email address. The application process will come with a credit check.

The sooner you pay off your debt, the less interest you'll pay overall and vice versa. There is a pay weekly option available, or instead, you can use the Fashion World pay monthly option.

What Products Do Fashion World Offer in its Catalogue?

There are 10s of 1000s of fantastic items to choose from as part of the Fashion World catalogue. We'll now break down the different product categories on the website and list some of the most popular items in each category.

Women's Fashion

There are more than 8500 fabulous items of womenswear available as part of the Fashion World catalogue! This includes coats & jackets, dresses, skirts, tunics, accessories, jumpers & cardigans and sports & leisure. Among the brands whose products feature in this category are Adidas, AX Paris and Joe Browns.

Some of the most popular women's fashion products:

  • Linen Mix Shorts - £15.00
  • Easy Care Linen Mix Short Trousers - £20.00
  • Amber Dark Indigo Skinny Jeggings - £18.00
  • Short-Sleeve T-Shirts 3 Pack - £15.00
  • Cotton Rich High Waist Leggings - £9.00
  • Value Pack of 2 Beach Dresses - £26.00

Footwear

Next, we have women's footwear. There are almost 3600 items in this category which includes boots, shoes, sandals and trainers from famous and renowned footwear brands such as Skechers and Vans.

Top-selling footwear:

  • Ellis Wide Fit Lace Up Pumps - up to £16.00
  • Heavenly Feet E Fit Strappy Sandals - up to £30.00
  • Oregon Wedge Extra Wide Fit Espadrille - up to £26.00
  • Adidas Nebzed Trainers - £55.00
  • Skechers One-up Microburst Trainers - £59.00

Lingerie

The Fashion World website also includes 2700+ lingerie products from brands like Ann Summers, Curvy Kate, Figleaves Curve and Pour Moi.

Some of the most popular lingerie from Fashion World:

  • Smoothing Moulded Padded Bra 2 Pack - £25.00
  • Ella Black/White Lace Full Cup Bra - £30.00
  • Panache Black Tango II Balcony Bra - £29.00
  • Sloggi Maxi Briefs 6 Pack - £51.00

Men's Fashion

While Fashion World has more on offer for women, there are still over 4600 menswear items in the catalogue also. This includes accessories, blazers, footwear, sportswear, jeans, chinos, hoodies and sweatshirts. Joe Browns and Super Dry are among the brands which appear in this section.

Some of the best-selling men's products:

  • Paco Rabanne Mini Set - £39.00
  • Dior 100ml Sauvage Aftershave - £59.00
  • Skechers Equalizer 4.0 Trainers - £59.00
  • Navy Waist Elasticated Shorts - £22.00

Kid's Section

Fashion World also has a children's section with more than 2700 items, including coats & jackets, footwear, schoolwear and bags & accessories. There are products for kids of different age groups whether they are babies, toddlers or in primary or secondary education.

Popular kids’ products:

  • Cosatto Supa 3 Stroller - £199.99
  • Obaby Bantam Cot with Mattress - £124.00
  • Hover-1 Black Hoverboard - £179.99
  • Darwen 3 Piece Bedroom Set - £149.00

Toys

In addition to a general kid's section, Fashion World sells nearly 1500 kids toys on the website. While you may decide to primarily use your Fashion World credit account to purchase clothing items, this section is a great way to find something to order as a Christmas or birthday present on credit!

Popular Fashion World toys:

  • Little Tikes 4-in-1 Trike Bike - £74.99
  • Razor Power Electric Green Scooter - £199.99
  • Little Tikes Fountain Water Table - £59.99

Health and Beauty

With a Fashion World credit account, you'll have a choice of over 2600 health and beauty products as part of the catalogue. This section features items such as makeup, nails, fake tan, skincare, perfume and hair & styling products.

Most popular health & beauty items:

  • Phillips Lumea Hair Removal Device - £350.00
  • Oral B Vitality Cross Action Toothbrush - £39.99
  • JML Facial Hair Removal Finishing Touch - £19.99
  • GHD IV Hair Styler - £109.00

Home and Garden

There are about 7700 home and garden products in the Fashion World catalogue which includes bedroom furniture, cushions, beanbags, kitchenware, lighting, wallpaper, home security and garden equipment.

Customer favourites:

  • Miami Gloss 3pc Bedroom Set - £159.00
  • Russell Hobbs RHM2076B Microwave - £79.99
  • Silentnight 4 Pack of Hippo & Duck Pillows - £22.00
  • Hugo Blackout Curtains - from £30.00

Technology

As for tech, there are nearly 2300 products available in this catalogue from brands like Apple, Sony and Samsung. This section, as you'd expect, features products like TVs, laptops, tablets, gaming consoles, phones and speakers.

Top-selling tech products:

  • 2nd Gen Apple Air Pods - £159.00
  • Amazon Firestick w/ remote - £49.99
  • Huawei Y6 2019 Sapphire Blue - £139.99
  • Fitbit Versa 2 Aluminium - £199.00
  • Nintendo Switch Neon w/ Mario Kart 8 - £369.99


Appliances

There are around 2000 electrical items for sale on the Fashion World website ranging from air treatment to vacuums. Some of the most notable brands to appear in this section are Russell Hobbs, Dyson and Vax.

Some of the most popular catalogue appliances:

  • Hetty 160 Cylinder Vacuum - £129.99
  • Indesit IWC71252E Washing Machine - £219.99
  • Dyson Cordless V10 Animal Vacuum - £399.00
  • Dimplex Oscillating 48in Tower Fan - £59.99

Gifts

Last but not least, we have the gifts section with over 1400 products to choose from. Whether it is candles, novelty gifts, gadgets, balloons, books, party games & trivia, or personalised gifts, there is something for every occasion in the Fashion World catalogue!

There is also currently a section designated to Christmas, perfect for finding the right gifts for the holiday season!

Best-selling gift items:

  • Yankee Candle Baby Powder Jar Candle - £24.00
  • Anfield Stadium Tour w/ Overnight Stay - £179.00
  • Whitley Neill Blood Orange Gift Set - £37.00
  • Dead Mans Finger Rum Set - £16.00

What Fashion World Catalogue Deals Are Available?

As discussed earlier, right now, with a Fashion World catalogue, you can enjoy zero interest until March 2021 as well as 30% off your first order. To save further on expenses, you should check out the unlimited delivery subscription, which gives you a year of unlimited deliveries for just £9.95.

Fashion World also offers free click & collect for orders of £40+. Fashion World provides regular discounts on a range of different items. Don't forget to keep an eye on the clearance section for the latest Fashion World sale offers.

Special deals will also come and go throughout the year such as for Black Friday or Christmas. Also, watch out for the various Fashion World voucher codes or Fashion World discount code as they appear.

Benefits of Shopping at Fashion World

As with any online store, Fashion World has its pros & cons. For the next two sections, we'll breakdown both. First, let's dissect some of its advantages.

Stress-Free Shopping Guarantee

Fashion World has an easy to navigate website, meaning that you can shop for your favourite new dress or t-shirt from the comfort of your own home.

This is particularly helpful right now with the ongoing Covid-19 pandemic, meaning that you can stay inside and place your orders online.

Spread the Cost of Purchase with Pay Weekly/Pay Monthly Options

Unlike many buy now, pay later catalogues, Fashion World, gives you the choice of paying weekly and not just on a monthly basis. You may find that one of these options suits you better.

For example, you might want to sync your payments with how often you get paid.

Fashion World Buy Now Pay Later

With a credit account, like the one offered by Fashion World, you can purchase clothing items with up to £400 credit without paying a penny upfront.

This is a fantastic way of saving money in the short-term, although it will cost you in the long-run, considering that there will be interest added to your payments.



However, if you're strapped for money right now, this could prove particularly beneficial if you're eager to make some purchases but are not sure how you'll afford it.

Of course, this would only be sensible if you know for sure that you'll be able to meet the payments on time.

Long Returns Period

Fashion World gives you up to 60 days to return any items. You will need a receipt to do so. Still, this returns period is very useful, as it is often the case that consumers wish to return a product, only to realise that the returns period has already expired.

Disadvantages of Shopping at Fashion World

On the other hand, there are of course a few downsides to shopping with Fashion World.

Special Promotion Returns Policy

If you'd like to return an item that you purchased as part of a special promotion, you'll only get your money back, if you return every product that came with the promotion.

For instance, this could be a 3 for two promotion. If this were the case, you'd need to return all three items in order to receive a refund.

Standard Interest Rate of 39.9% on Outstanding Balances

You will have to pay interest on any payments you've failed to make on-time. This will only make the use of your credit account more expensive.

Again, if you'd like to sign up to a credit account, you must be confident in your ability to pay on time. Failure to meet payments could also negatively affect your credit rating.

Credit Check

To get a credit account with Fashion World, they will perform a credit check, which will include checks with different credit reference agencies to assess what your credit rating and history are. If you have bad credit, then, in all likelihood, your application will not be approved.

What Payment Methods Do Fashion World Accept?

There are four ways in which you could meet your credit account payments, which we will explore in this section. You will receive a Fashion World weekly or monthly statement with information such as how much you owe for this new payment period and what is left pay in total.

Direct Debit

One of the easiest ways of making a payment with Fashion World is by direct debit. In terms of how much you'd pay, for each statement, you could choose the minimum amount, set a total of your preference (once it is at least that of the minimum payment), or the full balance.

This transaction will pop up under 'JD Williams' on your bank statement. You can cancel a direct debit or amend it at any stage with the aid of Fashion World's customer support.

Debit or Credit Card

The most straightforward way of making a payment on the website is by using your Fashion World account to set up a debit or credit card payment. Alternatively, you can call Fashion World and pay via the automated payment service. Sometimes, credit card payments will come with a handling charge of one and a half per cent.

Bank Transfer

To pay by this method, you can set it up online, by phone, or at your local bank branch. To meet your payments by bank transfer, you'll need to know the sort code and account number of Fashion World which is provided on the website. You'll also need to know your Fashion World customer number. This will appear in your Fashion World personal account.

Phone

To pay by phone, you may call Fashion World on 0871 231 2000. Calls will come with an additional £0.13 per minute charge on top of your usual charges.

You will need to provide them with the following:

  • Card type
  • Card number
  • Expiration date
  • Card verification number (final three digits that appear on the back of your card)

Continuous Payment Authority

Another option, albeit much less common, is that of a continuous payment authority or CPA. By using this method, you would receive a text on your smartphone featuring a link to a payment site. Here you could securely make your payment.

Once the first payment is made, either you can have your card details kept on record so that payments can be made automatically when due, or you can have Fashion World send you a new link prior to every payment date so that your card details will not be kept on record.

You'll need to contact Fashion World in order to set up this payment method. You can change from this payment option to another at any time.

Payzone and Post Office

With your statement and the barcode that appears atop the payment slip, you can make a payment at your local Post Office or store.

There is a standard charge of £0.33 for payments made through Payzone and £0.45 if you pay with Electronic Post Office. It's essential that you have proof of payment and hold on to the receipt.

By Post

You can even pay by mail! You'll need to fill out the long number of your debit or credit card into the boxes that appear on your order form or payment slip. Do not write down your card verification number. Then, fill out the remainder of the form before sending it to Fashion World.

Postal Order or Cheque

Another way to pay by post is to send off a cheque or postal order with the full payment slip. You must add your customer number to the back of the cheque or postal order. Cheques must be made payable to 'JD Williams'.

Can I Open an Fashion World Credit Account with Bad Credit?

With a poor credit rating, it can be challenging to get anything on credit. And unfortunately, it's no different with Fashion World. Since they perform a credit check, if you have bad credit, it's unlikely that you'd be successful if applying for a credit account with Fashion World.

Credit score is essential criteria when applying to a Fashion World credit account. However, there are other buy now, pay later catalogues on the market that include no credit checks and are well suited to those with bad credit.

How Does Fashion World's Delivery and Return Policies Work?

Deliveries

There are several delivery options offered by Fashion World, including its Unlimited Delivery service, which, as discussed earlier, costs just £9.95 annually. Standard delivery costs £3.50, and such orders should take 3 to 7 working days to arrive.

For next day delivery, it costs £4.50. You'll need to order by 11 pm the evening before, or 10 pm on a Saturday evening, to receive a delivery the following day.

It also costs £4.50 to get a nominated delivery. This means that you can choose a specific date in advance for the items to arrive. So, if you wanted to order something to the house of a friend or family member for, say, their birthday, you can do so for just £1 more than the cost of standard delivery.

Lastly, there is the option of click & collect. You can avail of this within 3-5 days for just £3.50 if your order is less than £40. If you've spent this amount or more on your order, then this service will usually be free! Regardless of the delivery option you choose, supplementary charges may also apply.

Returns

You'll have up to 60 days after making a purchase to return your items. It should take 14 days for your return to be processed. Of course, you'll need a receipt to get a refund. But, what methods can you use to return any items? One way of doing so is by courier.

Alternatively, you can return products via the Post Office, Hermes ParcelShop or ASDA to you. As mentioned earlier, if you're returning promotional products, you'll need to return every item that was part of the order if you want to get your money back.

To return an item, it should be in its original packaging and unused. If it came with any security tags, these should be undamaged.

Conclusion

We hope our review of Fashion World has answered any questions you might have about Fashion World and its credit account! If not, check out our FAQs below, for a bit more information.

In this article, we've looked at how Fashion World's credit account works, what its pros & cons are and how you can pay as well as other relevant topics like what products Fashion World are selling.

You now have the knowledge required to make an informed decision about whether or not you want to purchase on credit with Fashion World. If you decide that you do, then go ahead and apply today! Best of luck and happy shopping.

FAQs

Q: Can Fashion World send me a catalogue?

A: Yes! You can request a catalogue on the website.

Q: How can I get a Fashion World credit account?

A: To do so, you'll need to submit an online application.

Q: Can I pay by Standing Order?

A: Yes, Fashion World UK caters for payment by standing order.

Q: Is there a credit check?

A: Yes. Your credit rating will be an essential consideration when you apply for a credit account.

Q: Is there any interest, and if so, what is it?

A: To purchase on credit with Fashion World, there is a variable interest rate of 39.9% for your repayments.

Sources

  1. https://support.fashionworld.co.uk/hc/en-gb/articles/360013502879-Why-has-my-credit-application-not-been-successful-
  2. https://support.fashionworld.co.uk/hc/en-gb/articles/360002532344-How-do-I-make-a-payment-on-my-account-
  3. https://www.fashionworld.co.uk/shop/policies/policiesView.action?finalTarget=policies_payment&d%20%20ecoration=true