What is Ace?

Ace online retailer is a reputable company brought to you by Studio. The company has been operating since 1962, giving them over fifty years' experience in the retail sector with both Ace shop online and offline.

Ace offers an extensive range of products including its own branded clothing and they also stock a wide selection of well-known brands, including UGG, Nike, Converse, Jack and Jones and many more.

How Does Ace's Credit Account Work?

Ace offers its customers access to a personal credit account which is a revolving credit agreement which provides them with a wide range of ways to pay. This includes the following options:

Ace Buy Now Pay Later

Ace offers buy now pay later plans for some of its products. Before you opt-in, Ace will let you know how long it will run for and when you need to pay back the money.

You will receive monthly statements informing you of what you owe, however, you can pay it off whenever you want as long as it is within the given deadline. By doing this, you will save yourself money, as you will avoid interest charges.

Ace Fixed Payments

You can also purchase items by paying off a specific amount every month. This will help you make payments on time, and you can also set up a direct debit to ensure that no fees are missed, and you won't the run risk of additional interest charges.

Ace Interest Saver

This option enables you to purchase items without paying them off for one, three or nine months, depending on the price of the product. With this plan, you will be sent monthly statements to show what you owe.

To pay off your purchase in time, you may have to pay more on top of your minimum payments to prevent additional interest. You will not be charged interest if you pay in full before the plan expiry date.

To apply for an Ace credit account, you will need to answer a few questions which may involve performing a credit check to ensure you can be trusted to make regular payments. If you have been accepted and placed an order, you will start a plan with Ace, then you will be given a plan balance which will detail what you owe.

You will also be given a plan expiry date on each statement, which will inform you of the exact date when your plan will end.

Ace will collect various information from you before accepting your application. This includes third parties such as the electoral register which will enable them to confirm your identity.

They will also check with credit reference agencies to check your credit history to ensure a personal credit account can be accepted.

What Products Do Ace Offer in its Catalogue?

Ace stocks an extensive range of products for everyone, such as:

Womens

Ace offers a vast selection of womenswear to suit all shapes and sizes, including:

  • Cardigans and jumpers
  • Coordinates
  • Coats and jackets
  • Dresses
  • Footwear
  • Hoodies and sweatshirts
  • Jeans
  • Jumpsuits and playsuits
  • Lingerie and socks
  • Maternity
  • Nightwear
  • Occasion wear
  • Shorts

Some of the most popular products include the ever-popular Studio 3 Strap Studded Ankle Boots which look great with Studio's Cable Tassel Poncho, which is available in black, red and cream.

Mens

Ace's menswear range, including the following products:

  • Footwear
  • Tracksuits
  • T-shirts and vests
  • Nightwear and loungewear
  • Underwear and socks
  • Accessories
  • Cardigans and jumpers
  • Coats and jackets
  • Formal wear
  • Hoodies and sweatshirts
  • Jeans
  • Polo shirts
  • Shirts
  • Trousers and shorts
  • Swimwear

There are various best-sellers including the Jack and Jones Camo Black Hoody and Defend London's DFND Light Grey Double Taped Tracksuit which are both available in small to XXL.



Kids

If you are looking for affordable and stylish fashion or gifts for your kids, you can choose from the following:

  • Girlswear
  • Boyswear
  • Babywear
  • Footwear
  • Toys and game
  • Accessories
  • Character shop
  • Kids bedroom
  • Nursery
  • School uniform
  • Personalised

Some of the most popular products for kids include Ace's Baby's Personalised Blue Robe, which is perfect for bedtime and fits ages 0-24 months. A favourite for older kids is the Harry Potter Hedwig Long Sleeve Pyjamas.

Home and Garden

If you wish to decorate your home and garden, you can choose from a wide range of products at Ace, such as:

  • Bedroom
  • Bathroom
  • Living room
  • Kitchen and dining
  • Home furnishings
  • Christmas at home
  • Decorating and DIY
  • Furniture
  • Garden
  • Heating and cooling
  • Lighting
  • Pet care and enclosures
  • Storage
  • Utility and laundry

Ace's home and garden best-sellers include the Ontario 190L Storage Box which is perfect for your garden to keep any summer items safe in colder months. For inside your home, you may want to consider the popular Sherbourne 5-piece Rectangular Dining Set, which is ideal for the kitchen or dining area.

Electricals

Ace all offer a wide range of electrical items for tech lovers, including:

  • Televisions and home cinema
  • Phones and wearable tech
  • Tablets and E-readers
  • Computers and laptops
  • Gaming
  • Cameras, camcorders and action cams
  • Car electricals
  • Garden electricals
  • Kitchen electricals
  • Smart home technology

Ace customers love the Russell Hobs 90cm Wide American Style Fridge Freezer which is perfect for big families who need plenty of storage space. The Samsung 43 Inch UHD Crystal View Smart TV is also a popular option as it is the ideal size for most homes, and many opt for the care plan should any repairs or replacement be required.



Toys

Ace stocks a massive selection of toys for children of all ages, such as:

  • Personalised
  • Outdoor fun
  • Wooden toys
  • Arts, crafts and books
  • Building and construction toys
  • Dolls and accessories
  • Figures, playsets and vehicles
  • Gaming
  • Home learning
  • Interactive and digital
  • Jigsaws, puzzles and board games
  • Musical instruments
  • Teddy bears and soft toys

Ace shoppers love the 220 2-in-1 Games Console which is great for ages six and over. Another popular toy is the Baby Shark Personalised Backpack from Pinkfong which comes with free personalisation.

Gifts and Jewellery

If you are looking for a special gift for that special someone, Ace offers the following products:

  • Gifts for her
  • Gifts for him
  • Gifts for kids
  • Food and drink
  • Personalised
  • Books
  • Calendars
  • Family fun and games
  • Gift experiences
  • Goth gifts
  • Jewellery and watches
  • Jigsaws

Some of the best-selling gifts at Ace includes the Personalised Animal Cutlery Set, which is the perfect way to teach your kids some table manners. Ace also offer a range of personalised jewellery pieces such as the Personalised Three Name Heart Pendant which is available in gold, silver and rose gold.

Personalised

Ace offers a range of personalised items for men, women and children, such as:

  • Gifts for him
  • Gifts for her
  • Gifts for kids
  • Jewellery
  • School supplies
  • Mugs and glasses
  • Sweets and treats

A popular gift for men and women is the Personalised Pen which can be customised with up to 11 letters and comes in silver, gold, rose gold and black. You can also purchase a range of customised mugs and glass, including the Real Boss Mug Set which includes two personalised mugs – one black and one purple, making it the perfect gift for couples.

Health and beauty

If you are looking for health and beauty essentials, then you can choose from Ace's wide selection of products, such as:

  • Bath and body
  • Dental care
  • Fragrances, perfumes and aftershaves
  • Hair care
  • Hair removal
  • Health and wellbeing
  • Home gym
  • Kids beauty shop
  • Makeup
  • Skincare
  • Sports nutrition and vitamins
  • Travel accessories
  • Wearable tech

Ace offers a wide of skincare, including the popular Studio USB Facial Cleanser, which is a rechargeable facial cleansing tool that is designed to provide a deep clean. They also stock exercise equipment such as the Extreme Exercise Kit which is a portable fitness system that targets glutes, thighs, arms and abs.

What Ace Catalogue Deals Are Available?

Ace provide a wide range of discounts, especially in the clearance section of the website where you can save up to 70%. With an Ace personal credit account, you can also make savings, as they offer account holder regular Ace discount codes.

Benefits of Shopping at Ace

Shopping at Ace can offer an extensive range of advantages such as:

Wide Range of Products For Everyone

At Ace, you can find a wide range of products to suit all genders, ages, sizes and more. This makes it the perfect choice for year-round shopping as well as special events such as birthdays, Christmas or anniversaries.

Discounted Branded Clothing

Ace stock several reputable brands such as Jack and Jones, Hugo Boss, Nike, The North Face and more. Instead of paying a lot for these products, you can save your money by purchasing them for Ace, which offers various promo codes on branded clothing.


Personalisation Services

Another great benefit of shopping at Ace is that they stock a wide range of products which can be personalised with names, messages and more. This includes everything from personalised dressing gowns and clothing to customised jewellery and more.

Disadvantages of Shopping at Ace

Before making any purchase at Ace, it is vital that you consider the downsides of shopping at Ace, such as:

Affordability Checks Required

To open a personal credit account with Ace, you will need to answer eligibility questions, and acceptance will be subject to status. Ace conduct checks on your credit score, which will determine whether or not you are eligible, so if you have a bad credit score, you may not be allowed to open an account.

Credit Limit is Subject To Change

Depending on the way you pay, Ace have the right to lower or high credit limits which may limit you or put you at risk in terms of debt. However, they will inform you well in advance, which will allow you time to make payments and close your account if you need to.

Interest Will Be Charged When Payments Are Missed

If you miss any payment deadlines, then interest will be added onto your bill. This may not be ideal for anyone who has a habit of missing payments, as this could affect your credit score and will cost you more overall.

What Payment Methods Do Ace Accept?

Ace accepts a wide range of payment options, including:

Website

Anyone with a personal credit account can simply login in the 'My Account' section where you can select 'Make a card payment' where you will be asked to fill in all your payment details with either a debit or credit card.

Phone

You can also make payments to Ace over the phone by ringing the payment line which is available 24/7 and letting the operator know how much you want to pay before giving them your card details. When using this method, you should allow up to 48 hours before payment shows up on your account.

Cheque or Postal Order

If you would prefer to pay by cheque or postal order, then all you need to do is fill in a Bank Giro slip which is attached to your payment statement. This should be addressed to Ace, Preston, PR0 2RP and you should also write your Ace account number on the back of the cheque.

Bank Giro

Again, you can use Ace's Bank Giro slips to deposit money into your personal account. However, instead of sending a cheque or postal order, you can just take the slip into your bank and deposit it there and then, making sure the Ace account number is on the back.

Direct Debit

Another payment option is via direct debit, which can be set up with a specific amount of the minimum payment required, which will come out on the date of your choice. This will ensure that you never miss a payment.

Can I Open an Ace Credit Account with Bad Credit?

Ace will gather information from anyone who wishes to open a credit account, which will involve credit checks to ensure you can be trusted to make payments. If you have a bad credit score, Ace may pick up on this and reject your application, however, this may not always be the case, especially if you are purchasing cheaper products.

How Does Ace's Delivery and Return Policies Work?

Ace offers standard delivery which costs £4.99 and usually takes 3 to 7 days to arrive. The timeframe and cost may differ depending on where you live, as certain postcodes in the Highlands and Northern Ireland may cost £5.99 in more remote locations which are difficult to get to. While delivery to the Isle of Man, Isle of Scilly and the Channel Islands is £7.50 for standard delivery.

If ordering personalised products, you should expect delivery to be slightly longer at around 5 to 10 days. You can also expect an increase in delivery costs for larger items which is currently priced at £19.99.

If you need to return an item due to it being faulty or unsuitable, you first need to check that it is eligible to return and whether it is in the given time frame. If an item is damaged, Ace will pay for the return, although advise that they must be informed within 30 days of the purchase, although you can return any items within the first 12 months if it is faulty.

If you simply do not like the product, then you will be responsible for the postage fee, and you will also need to fill out a goods return form which is usually found in the delivered package.

Conclusion

Now you have all the information you need to make an informed decision about shopping at Ace, why not take a look at its website and browse through the wide range of products available? You are sure to find inspiration as well as the perfect gift for yourself or a loved one.

FAQs

Q: How does Ace calculate the interest on its personal credit accounts?

A: Ace catalogue UK typically calculates by considering the account balance and adding daily interest on top of the regular payments. They also use compounded interest which involves paying interest on top of interest.

Q: Is Ace's fixed payment option a good choice?

A: It is an ideal choice for anyone who wishes to pay a specific amount every month; however, interest will also be charged on these payments, which may cost you more overall.

Q: How do I report a damaged item to Ace?

A: If the product was damaged on arrival, then it is vital that you contact Ace within 30 days of receipt. You will also need to fill in a goods return form which should include all of your personal details such as your name, address, number, personal credit account number, item number and return reason.

Q: Does Ace deliver to the Channel Island?

A: Ace does deliver to the Channel Islands, although, you will need to pay the shipping cost of £7.50. However, this does not include large items as Ace cannot send large products to the Channel Islands.

Q: Does Ace extend returns over Christmas?

A: Ace typically extend the returns timeframe over the festive period to accommodate for unwanted goods. Customers will have up to the 14th of January 2021. However, this will vary depending on when you purchased the items, so make sure you double-check with Ace before returning.

Sources

  1. https://www.ace.co.uk/shop/your-money/buy-now-pay-later