Breadcrumbs ![Debit Vs. Credit: An Elevated Winter Look](https://media.sheerluxe.com/A9oByFwZK9VrlEisXN4TAzYfui4=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F02%2Fsl-site-assets-020226-thumb-hero-debit-credit.jpg) [How To Wear](/fashion/how-to-wear) / 02 February 2026 # Debit Vs. Credit: An Elevated Winter Look TOTEME’s scarf-detail, fringed coat nails two of the season’s biggest trends at once. Styled with cream trousers and contrasted with burgundy tones, leopard print and gold accents, it creates the kind of elevated, cold weather look we want to wear right now. Here’s how to recreate it, whatever your budget… [ Save To My Favourites ](/user/login?destination=/markdownify/node/50207) All products on this page have been selected by our editorial team, however we may make commission on some products. ![Fringed Scarf-Effect Wool-Blend Jacket from Toteme](https://media.sheerluxe.com/xkym3iO4LOVVJ1nTkzzvKuqeuPk=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fsl-debit-credit-020226-credit.png) [#### Fringed Scarf-Effect Wool-Blend Jacket](https://harveynic.prf.hn/click/camref:1101l3IdCh/destination:https%3A%2F%2Fwww.harveynichols.com%2Ftoteme%2Ffringed-scarf-effect-wool-blend-jacket-51831-blac-black-237188%2F) ##### Toteme, £535 *(was £1,070)* [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Pleated Wool-Blend Wide-Leg Pants from Maria McManus](https://media.sheerluxe.com/kjmOEjt4rqJcld_NhmymsJGcOxI=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fmaria-mcmanus-pleated-wool-blend-wide-leg-pants.jpg) [#### Pleated Wool-Blend Wide-Leg Pants](https://click.linksynergy.com/deeplink?id=etT1jgERWYw&mid=24448&murl=https%3A%2F%2Fwww.net-a-porter.com%2Fen-gb%2Fshop%2Fproduct%2Fmaria-mcmanus%2Fclothing%2Fwide-leg%2Fpleated-wool-blend-wide-leg-pants%2F46376663163033575) ##### Maria McManus, £695 [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Essentials Long Leather Gloves from Handsome Stockholm](https://media.sheerluxe.com/oRJHPpK0v2FZeW9g6iY-P_ssP7g=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fhandsome-stockholm-essentials-long-leather-gloves.jpg) [#### Essentials Long Leather Gloves](https://harveynic.prf.hn/click/camref:1101l3IdCh/destination:https%3A%2F%2Fwww.harveynichols.com%2Fhandsome-stockholm%2Fessentials-long-leather-gloves-56219-burg-vino-235235%2F) ##### Handsome Stockholm, £290 [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Sculpted Spade Statement Huggies from Kate Spade](https://media.sheerluxe.com/z9duItQSKNHMKIFv-QEGPT1kOqU=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fkate-spade-sculpted-spade-statement-huggies.jpg) [#### Sculpted Spade Statement Huggies](https://www.katespade.co.uk/products/sculpted-spade-statement-huggies/KM959.html) ##### Kate Spade, £150 [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Lauren Wool-Felt Flat Cap from Gigi Burris](https://media.sheerluxe.com/Y0zRLlMT4R2I7RJtDKEJ75RQ174=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fgood.jpg) [#### Lauren Wool-Felt Flat Cap](https://click.linksynergy.com/deeplink?id=etT1jgERWYw&mid=24448&murl=https%3A%2F%2Fwww.net-a-porter.com%2Fen-gb%2Fshop%2Fproduct%2Fgigi-burris%2Faccessories%2Fflat-cap%2Flauren-wool-felt-flat-cap%2F46376663162959557) ##### Gigi Burris, £350 [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Audrey Leather Clutch Bag from Khaite](https://media.sheerluxe.com/7JDii_y3ujqCSCIMgaVDgtOo5IY=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fkhaite-audrey-leather-clutch-bag.jpg) [#### Audrey Leather Clutch 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ARKET](https://media.sheerluxe.com/zDgVs0REKj1CYB3L7WUOcS2yZDU=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fsl-debit-credit-020226-debit.png) [#### Doublé Wool-Blend Cape Coat](https://arket.prf.hn/click/camref:1101l4675m/destination:https%3A%2F%2Fwww.arket.com%2Fen-gb%2Fproduct%2Fdoubl-wool-blend-cape-coat-black-1319364001%2F%3Fsrsltid%3DAfmBOoqV16U6snqna3XgYC1PP4w4DO_qZ9mZkMNHwEHNq28Fmy16avdJ) ##### ARKET, £269 [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Press-Crease Trousers from & Other Stories](https://media.sheerluxe.com/hgKmB5CyPYu663psTflA9DKo9Ds=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fstories-press-crease-trousers.jpg) [#### Press-Crease Trousers](https://otherstories.prf.hn/click/camref:1101l44paJ/destination:https%3A%2F%2Fwww.stories.com%2Fen-gb%2Fproduct%2Fwide-press-crease-trousers-cream-1090941008%2F) ##### & Other Stories, £77 [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Long Leather Gloves from & Other Stories](https://media.sheerluxe.com/KT9T56s39xV001nODpUDfmscJag=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fstories-long-leather-gloves.jpg) [#### Long Leather Gloves](https://otherstories.prf.hn/click/camref:1101l44paJ/destination:https%3A%2F%2Fwww.stories.com%2Fen-gb%2Fproduct%2Flong-leather-gloves-burgundy-1297262002%2F) ##### & Other Stories, £87 [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Sunny Earrings from Neima Row](https://media.sheerluxe.com/PNemBtCYINJlmHxQY05FVYnj7-g=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fsb-neima-row-sunny-earrings.jpg) [#### Sunny Earrings](https://www.neimarow.com/products/sunny?srsltid=AfmBOoqFMIFINs1P8hVgG5DXf0XVna7iSvZ66dzw5BFINrRjiJA-rrri) ##### Neima Row, £45 [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Wool Hat from H&M](https://media.sheerluxe.com/xIZdUw1iGHXjNWVBYWi-m19oUR0=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fhm-wool-hat_1.jpg) [#### Wool Hat](https://click.linksynergy.com/deeplink?id=etT1jgERWYw&mid=43250&murl=https%3A%2F%2Fwww2.hm.com%2Fen_gb%2Fproductpage.1302825001.html) ##### H&M, £23.80 *(was £27.99)* [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![The Miami Clutch from DeMellier](https://media.sheerluxe.com/Jo4MY2ZjTPk4xjIGxN9lX1TdjsY=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F01%2Fdemellier-the-miami-clutch.jpg) [#### The Miami Clutch](https://click.linksynergy.com/deeplink?id=etT1jgERWYw&mid=24448&murl=https%3A%2F%2Fwww.net-a-porter.com%2Fen-gb%2Fshop%2Fproduct%2Fdemellier%2Fbags%2Fclutch-bags%2Fmiami-suede-clutch%2F46376663162972711) ##### DeMellier, £425 [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") ![Kitten-Heeled Leather Slingbacks from H&M](https://media.sheerluxe.com/dsCcj9hVXi8kAH7bui0X0Xtxd64=/800x0/smart/https%3A%2F%2Fsw18.sheerluxe.com%2Fsites%2Fsheerluxe%2Ffiles%2Farticles%2F2026%2F02%2Fkitten-heeled-leather-slingbacks.jpg) [#### Kitten-Heeled Leather Slingbacks](https://click.linksynergy.com/deeplink?id=etT1jgERWYw&mid=43250&murl=https%3A%2F%2Fwww2.hm.com%2Fen_gb%2Fproductpage.1312643001.html) ##### H&M, £63.75 *(were £74.99)* [ Flag this item ](/user/login?destination=/markdownify/node/50207 "Add product to my favourites") *more from* Fashion [View All Fashion](/fashion) ![Join Sapna & Lu At A Special Festive 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