Home Retail Group Card Services Limited payment practices report
PennyFetch rating based on government data:
Good payerCompanies House no. 04007072
This rating is PennyFetch’s own assessment derived from data self-reported by Home Retail Group Card Services Limited to the UK government.
This data is from Oct 2025. A more recent report may be available from the government service.
Avg. days to pay
32
UK median: 32
Outside agreed terms
1%
UK average: 24%
Trend
Getting faster
16 reports filed
Payment terms
4 to 75 days
Standard terms
Invoice payment breakdown
How Home Retail Group Card Services Limited compares
Home Retail Group Card Services Limited takes an average of 32 days to pay its suppliers, which is the same as the UK median of 32 days across 9,336 reporting companies. 1% of their invoices fall outside the agreed payment terms, compared to a national average of 24%. Their payment speed has been improving over time based on historical filings.
The “outside agreed terms” percentage measures how often the company pays after its own agreed payment terms (4 to 75 days), not against a fixed 30-day standard. A company with long payment terms can still be rated “Good payer” if it consistently meets those terms.
Payment history
| Period | Avg. days | % outside terms | % in 30d | % over 60d |
|---|---|---|---|---|
| Mar 2025 to Aug 2025 | 32 | 1% | 48% | 5% |
| Mar 2024 to Feb 2025 | 32 | 1% | 50% | 4% |
| Mar 2024 to Aug 2024 | 33 | 1% | 48% | 5% |
| Mar 2023 to Feb 2024 | 31 | 2% | 59% | 4% |
| Mar 2023 to Aug 2023 | 31 | 3% | 59% | 5% |
| Mar 2022 to Feb 2023 | 35 | 11% | 51% | 6% |
| Mar 2022 to Aug 2022 | 37 | 18% | 49% | 7% |
| Mar 2021 to Feb 2022 | 72 | 6% | 11% | 68% |
| Mar 2021 to Feb 2022 | 40 | 13% | 60% | 12% |
| Mar 2021 to Aug 2021 | 36 | 8% | 59% | 9% |
| Mar 2020 to Feb 2021 | 54 | 18% | 22% | 44% |
| Mar 2020 to Aug 2020 | 53 | 18% | 23% | 37% |
| Sept 2019 to Feb 2020 | 65 | 19% | 19% | 31% |
| Mar 2019 to Aug 2019 | 65 | 17% | 22% | 31% |
| Sept 2018 to Feb 2019 | 58 | 15% | 19% | 32% |
| Mar 2018 to Aug 2018 | 57 | 17% | 23% | 22% |
PennyFetch tracks your invoices, sends automatic payment reminders, and calculates statutory interest if anything goes overdue.
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All payment statistics on this page are self-reported by Home Retail Group Card Services Limited to the UK Government Payment Practices Reporting service . The government publishes this data but does not independently verify the figures. Published under the Open Government Licence v3.0.
Most recent report filed: Oct 2025. The rating labels on this page (e.g. “Good payer”, “Often outside terms”) are PennyFetch’s own classifications based on the reported data. They are not government ratings. This page is for informational purposes and does not constitute legal or financial advice.
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