Breadcrumbs ![ Debit Vs. Credit: A Chic Winter Look](https://media.sheerluxe.com/pE_9MjRLEbQ3OYvfIGcZwcJIT5k=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fsl-site-assets-070126-thumbhero-debit-vs-credit.jpg) [How To Wear](/fashion/how-to-wear) / 07 January 2026 # Debit Vs. Credit: A Chic Winter Look A statement shearling jacket is a hero piece this season and right now, we’re styling it with leather trousers, a suede shoulder bag, boots and gold jewellery to finish. The result? A warm, wearable and effortlessly elevated look. Here’s how to recreate it – whatever your budget… [ Save To My Favourites ](/user/login?destination=/markdownify/node/49852) All products on this page have been selected by our editorial team, however we may make commission on some products. ![Maeve Shearling Jacket from Ducie](https://media.sheerluxe.com/uEJsfZrTD4DDLP4Rgl7sq1B_9RA=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fsl-debit-credit-070126-credit.jpg) [#### Maeve Shearling Jacket](https://ducie.co.uk/products/maeve-shearling-jacket-vanilla?srsltid=AfmBOop34nXm67bwu61MLIbztDnkSeTTwoewjBv4bfBiRYYgssmjPpMG) ##### Ducie, £1,250 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Essential Ribbed Polo from Whistles](https://media.sheerluxe.com/HaGzi2DxzHtGh7rN_tC1kaH0xis=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fwhistles-ivory-essential-ribbed-polo.jpg) [#### Essential Ribbed Polo](https://whistles.prf.hn/click/camref:1100l5bauT/destination:https%3A%2F%2Fwww.whistles.com%2Fproduct%2Fessential-ribbed-polo-37664.html) ##### Whistles, £59 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![The Quinn High-Rise Leather Pants from RÙADH](https://media.sheerluxe.com/o0HwQWMb4XJjKndiks31mb6GSIE=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fruadh-the-quinn-leather-straight-leg-pants.jpg) [#### The Quinn High-Rise Leather Pants](https://www.kqzyfj.com/click-3836078-14321425?url=https%3A%2F%2Fwww.modaoperandi.com%2Fwomen%2Fp%2Fruadh%2Fthe-quinn-leather-pants%2F685155) ##### RÙADH, £2,214 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Signore Earrings from IvI Los Angeles](https://media.sheerluxe.com/kBjtqRj2L0cTzUjyD21SMhTjvhk=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fivi-signore-gold-plated-earrings.jpg) [#### Signore Earrings](https://ivilosangeles.com/products/ivi-signore-tube-oval-drop-earrings?srsltid=AfmBOorC46et1rtnZ9LqLLCzbhMKoKfIOZIFAoHbPVh3Vt7NpGEa3DxJ) ##### IvI Los Angeles, £590 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Large Belted Shoulder Bag from Liffner](https://media.sheerluxe.com/lGoDpD6FEfxGtavwCAgnpoOAsqg=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fliffner-belted-bucket-bag-dark-brown-suede.jpg) [#### Large Belted Shoulder Bag](https://prf.hn/click/camref:1100l8te6/destination:https%3A%2F%2Fwww.farfetch.com%2Fuk%2Fshopping%2Fwomen%2Fliffner-large-belted-shoulder-bag-item-27913246.aspx%3Fstoreid%3D13537) ##### Liffner, £518 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Sylke Horsebit-Detailed Suede Ankle Boots from GUCCI](https://media.sheerluxe.com/QgwZ4u1pL-8o5N_cctmrdNEkwII=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fgucci-womens-ankle-boot-with-horsebit.jpg) [#### Sylke Horsebit-Detailed Suede Ankle Boots](https://click.linksynergy.com/deeplink?id=etT1jgERWYw&mid=24448&murl=https%3A%2F%2Fwww.net-a-porter.com%2Fen-gb%2Fshop%2Fproduct%2Fgucci%2Fshoes%2Fankle%2Fsylke-horsebit-detailed-suede-ankle-boots%2F46376663162894297) ##### GUCCI, £875 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Shoulder-Pad Jacket from H&M](https://media.sheerluxe.com/V5HG5RTb__4Lkq-iuVVOnldinf8=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fsl-debit-credit-070126-debit.jpg) [#### Shoulder-Pad Jacket](https://click.linksynergy.com/deeplink?id=etT1jgERWYw&mid=43250&murl=https%3A%2F%2Fwww2.hm.com%2Fen_gb%2Fproductpage.1315024001.html%3Fsrsltid%3DAfmBOoowfmmGwZgKdR5baX3iEsg71fITVBLwDTepZwyHIxokywtH7X9hxFs) ##### H&M, £64.99 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Modal Cashmere Ultralight High-Neck Top from Intimissimi](https://media.sheerluxe.com/YCMIMSQCiDaZ8hKV60pNApP5kDM=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fintimissimi-modal-cashmere-ultralight-high-neck-top.jpg) [#### Modal Cashmere Ultralight High-Neck Top](https://www.intimissimi.com/uk/product/modal_cashmere_ultralight_high-neck_top-CLD28T.html) ##### Intimissimi, £49 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Leather Trousers from H&M](https://media.sheerluxe.com/JIq8Y0A18ZXMS_8ZspcKkvMO_40=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fhm-leather-trousers.jpg) [#### Leather Trousers](https://click.linksynergy.com/deeplink?id=etT1jgERWYw&mid=43250&murl=https%3A%2F%2Fwww2.hm.com%2Fen_gb%2Fproductpage.1308329001.html%3Fsrsltid%3DAfmBOorlveHLcaTN7WVnVKFzFNZ9szd4K2BtH3mCHW49k80m6unP_Lyd) ##### H&M, £279.99 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Mini Knot Earrings from Heaven Mayhem](https://media.sheerluxe.com/iLLwG1XCv5__h36g6M49CNDFm9E=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fheaven-mayhem-mini-knot-yellow-gold-plated-metal-earrings.jpg) [#### Mini Knot Earrings](https://heavenmayhem.com/products/mini-knot-earrings?srsltid=AfmBOoqgI4uT7-hmATZUU-0EjKRQw9oVDYgsvd8p7bqVvjmJFAJGjYZU&variant=46206087790770) ##### Heaven Mayhem, £80 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Suede Bucket Bag from Mango](https://media.sheerluxe.com/I7z5c6G4NlqKz999op5HCpzjfqs=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fmango-bag.jpg) [#### Suede Bucket Bag](https://click.linksynergy.com/deeplink?id=etT1jgERWYw&mid=36057&murl=https%3A%2F%2Fshop.mango.com%2Fgb%2Fen%2Fp%2Fwomen%2Fbags%2Fshoppers%2Fsuede-bucket-bag_27041211) ##### Mango, £89.99 [ Flag this item ](/user/login?destination=/markdownify/node/49852 "Add product to my favourites") ![Loafer Ankle Boots from Made The Edit](https://media.sheerluxe.com/mYWw6O_OuoO8LET97z71efotde8=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fmade-the-edit-boots.jpg) [#### Loafer Ankle Boots](https://madetheedit.com/products/dark-brown-suede-loafer-boot?variant=56030669767031) ##### Made The Edit, £240 [ Flag this item 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