ASDA Credit Card Reviews

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Latest Reviews

★☆☆☆☆

“Awful”

Written on: 22/09/2017 by DallasSnyder121 (1 review written)

Comfortably the worst credit card I have had. Dreadful to non-existent customer service and horrendous hidden charges. Don't do it… Read Full Review

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★★☆☆☆

“Minimum payment”

Written on: 18/09/2017 by Delboy19521 (1 review written)

Can't believe it,i have a 3000 pound limit and I have received a letter from them saying their concerned that I have been paying minimum monthly payment,and can I pay more,the most I have owed is about 300 at any given time and never missed or been late in paying. I can't believe it… Read Full Review

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Stradbally's Response to Delboy19521's Review

Written on: 19/09/2017

I am not surprised by your difficulty with asda credit card ( creative finance).
This week I had a problem also ----- 3 days after my account was paid in full, by the usual direct debit, my card was stopped. (without any notification). I didn't find out until I went shopping!! The excuse was -- We are not a bank just a finance company, and we need 5 working days to clear payments-- This in spite of the fact that my bank had paid them in full 3days earlier. This is not a company to be trusted, and I will running down my account, and finding a more reliable provider. I will also be writing to the chief exec. of Asda to point out the poor service being provided to Asda customers by creative finance. Perhaps if every customer who has a problem does this, things might improve.

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★★☆☆☆

“Cashback vouchers difficult to use”

Written on: 01/09/2017 by Stevepqrt (2 reviews written)

I have found the card ok to use, although I have also experienced very tight credit limits (much lower than on other cards). The way round this is to create a credit balance by overpaying so that you can still use it. My issue has been with the cashback vouchers - every time I tried to use one to pay I had to go to customer services as they do not work at the tills. I have used 4 or 5 over the last 7 months since I had the card and the latest issue was today (Aug 2017). This is really… Read Full Review

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★☆☆☆☆

“Confusing! Passed eligibility check, still declined”

Written on: 30/08/2017 by rnKeller396 (1 review written)

On asda money website, it says the credict application decision is made. But my application is declined at the end. There should be any notes to the customer that the application result is not guranteed… Read Full Review

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★☆☆☆☆

“Useless”

Written on: 26/08/2017 by Drakebw1959 (1 review written)

Got an Asda credit card to get some cash back as do food shopping at Asda. Unfortunately if you try and use it to buy anything it often gets blocked.Today tried to make a purchase on John Lewis website and got blocked. They made no attempt to contact me to check it was a valid purchase and it took me 25 mins on the phone to Asda to get the block taken off my card. The call centre man asked me the same security questions over and over and even wanted to speak to someone else in the house over… Read Full Review

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★☆☆☆☆

“Asda credit card”

Written on: 13/08/2017 by FernandaFitch (1 review written)

Shop at Asda regularly so any cashback well received. All going reasonably well apart from waiting too long for either debits or credits to appear. Have applied manfully for my credit limit to increase from 1960 to 2000. No joy . My wife got 5000 limit with less income than I enjoy.Both of us good track records for credit no missed oayments etc. Had occasion to query payment in my account that I had not authorised traced refund back to Asda who were sitting on the payment because refiunders had… Read Full Review

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★☆☆☆☆

“Worst Card Ever”

Written on: 27/07/2017 by 112Diaz (1 review written)

Got the credit card - all good, happy about the cash back too. Paid 3% fee on balance transfer - but the real kick comes 6months down the line - when they start charging you ridiculous interest rate for the balance transfer. Also if you do anymore balance transfer - you are screwed. Its the worst card ever - eg - if you did a balance transfer of 100 pounds and you had bought things worth 100 pounds from ASDA - they will charge you interest on 200 pounds and say its for balance transfer of 200… Read Full Review

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★☆☆☆☆

“Poor company”

Written on: 25/07/2017 by Paulhall57 (1 review written)

I applied and was accepted for this card, the offer was that if I spent £60 in one transaction at Asda during May they would credit my account with a £20 Asda voucher. I did this but didn't receive my voucher, I made 3 calls to request it and was told they would get back to me, they didn't. I also emailed a complaint on three separate occasions and again heard nothing. Finally in made a official complaint, they tried calling me once at home and as I wasn't home they were asked to call back… Read Full Review

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★☆☆☆☆

“Applied and Accepted over 6 weeks ago and still no card”

Written on: 25/07/2017 by Melanies455 (1 review written)

I wish I'd read these reviews before applying for this card. Complete waste of my time and now I'll have to wait a few months to apply elsewhere because of the credit search against my name. Six weeks ago I applied for the Asda credit card, sent me out a paper form credit agreement to sign which I did on the day it arrived and then sent it back as was required. Telephoned the customer service number and kept getting told it was being sent out. Week after week went by until I finally gave up… Read Full Review

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★☆☆☆☆

“No response”

Written on: 14/07/2017 by Sawyer134 (1 review written)

I applied for an ASDA credit card 5 weeks ago and heard nothing. I telephoned after 4 weeks, no help and no further response. I telephoned again after 5 weeks and was told there was a backlog and there was nothing else they could do. This is a very poor service and I would not recommend it… Read Full Review

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★☆☆☆☆

“Third class”

Written on: 02/07/2017 by Norahu64 (1 review written)

Have been a loyal customer for years using Asda Credit card. Never missed a single payment. Now received letter saying under clause 14 my card will be shut down. I called them today for a full explanation and they said they are unable to comment. How can you shut down a card without explaining why? Spoke with a rude person who kept avoiding my questions and said the decision is irreversible. Wouldn't elaborate any further. Absolutely shocking treatment when not one payment has ever been… Read Full Review

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★☆☆☆☆

“Very Poor Customer Service”

Written on: 25/04/2017

Applied online around mid March for Asda cash back credit card.It took them woeful long time to contact me.To be honest they tried there best not to contact me but I wrote a review on review centre regarding my issue then they decided to contact me.Since then various people keep sanding me emails I tried my best to accommodate their requirements but some reason I'm still awaiting to hear from them. I've already sent my bank statement with address, passport copy and my mobile phone bill. What… Read Full Review

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★☆☆☆☆

“A total disaster since their recent IT system update”

Written on: 13/04/2017 by stradbally (8 reviews written)

for the first 11 months everything worked reasonably well,then it all went pear shaped since their recent IT system update. Since then, over the last couple of weeks, their system has refused to recognise my user name & password on numerous occasions. This has resulted in numerous phone calls to their totally ineffective customer "service" dept. Each time I was instructed to change my password / user name-- which I have now done 5 times, and each time this results in me getting into my account… Read Full Review

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★★☆☆☆

“They take five days to clear a direct debit payment!”

Written on: 12/04/2017

In theory this is a good card if you pay the full amount each month as the cashback (in the form of Asda vouchers) is high and without limit. However their systems are pretty basic - e.g. can't download statements other than as a PDF. Bank transfer payments take three days. Most annoying however is that they take five days to clear a DD payment, which is a pain if you get near your credit limit. Mine was shown online as paid on the Wed (confirmed by my bank account)but was then declined on… Read Full Review

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★☆☆☆☆

“DON'T CARE ATTTITUDE”

Written on: 25/03/2017 by BDESJ (1 review written)

I filled out a Asda credit card form and I was under impression that Asda will contact me .After a long while I received an email from Asda saying thanks for contacting us.That's it.No more communication. By the way the email was sent to me was no reply email address and to make contact with Asda over the phone will incur me change and time. Could they not simply drop me an email to confirm me about my application is rejected or not? Why Asda taking so long ? or they don't contact at all… Read Full Review

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★☆☆☆☆

“Worse card ever”

Written on: 11/01/2017 by Serrano401 (1 review written)

Ok, have had a 5k credit limit for 6 months, I spend a lot, but have 7k net a month and no other debts. Asda refused to increase limit. Walking away with my feet. Don't go near them, really unhelpful. Also they don't use swift payments for account paying (so you have to pay earlier) and no apple pay… Read Full Review

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★★★★★

“surprisingly good”

Written on: 06/12/2016 by woodlousey (1 review written)

I opened my asda money credit card on 5th november, i got a really good credit limit of 3000, i found it far more than i actually would spend, i would never use so much in one month. The online system i find excellent, i set up to pay my balance in full each month and can also pay using my debit card if i wish to pay extra payments, the filling out of your debit card details can be a bit lengthy but easy enough to do. The cash back is in the form of a printable voucher, once you reach 2.50… Read Full Review

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★☆☆☆☆

“Not fit for purpose”

Written on: 09/11/2016 by Carter1962 (1 review written)

Had one before by Santander but asda stopped it so was delighted when they started again. First time I used it got a fine for going over the £600 monthly limit. As it is for shopping and fuel and other shopping just what century are they in. When I contacted them they said that was my credit limit. I informed that I had had a previous card for many years but they just said that's what it is. I cut it up. They obviously do t want the cash!… Read Full Review

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★☆☆☆☆

“Not good so far!”

Written on: 31/10/2016 by AlexusHeath (1 review written)

Took out an Asda mastercard 3 months ago...very poor experience so far! Tried to pay online via their online website.....found that I had to fill out exhaustive details of the debit card I was paying with. OK for the first payment I thought, but not so. You have to do the same every time as their system is incapable of retaining card details. How unprofessional! Second month I tried to pay by bank transfer but the payment was immediately refunded. Apparently the sort code/account numbers… Read Full Review

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★☆☆☆☆

“Shocking ”

Written on: 29/07/2016 by KarenDaley (1 review written)

Do not use . Charge you interest while your payments have gone through. I cleared my balance but still got charged daily interest while it went through . Worst card i have had . So i will get more interest charges eevn after i closed the card down… Read Full Review

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