Tesco Clubcard Credit Card Reviews
Latest Reviews
★☆☆☆☆
“Debit card payments”
Written on: 06/06/2013
Why do they take so long to process some of my debit card payments? Sometimes the payment go through with a couple of days but I've actually waited nearly 2 weeks before for the payment to hit my account.... WHY? The payment lest my bank account all that time ago. They are also Kings of manufacturing the £12 late payment fee..... (read more)
★☆☆☆☆
“Useless”
Written on: 04/06/2013 by mj1948
I have been trying for months to get a paper statement from Tesco as I cannot access my account on line. They changed the online access procedure and to get on to the new method you need to get a code sent to your mobile. But they have my old mobile number which I cannot change unless I get access to my account. Catch 22. Despite the fact I have returned the card they keep taking payments by direct debit and I do not know what they are for. I stopped the direct debit and got a letter from... (read more)
★☆☆☆☆
“Very Rude Customer Advisors”
Written on: 27/04/2013
I called as I had a problem with my account and felt I had been misled by Tesco Bank and that they had been very dishonest. The young female advisor I spoke to was so rude and full of attitude right from the start of the call which wound me up further considering I was calling with a problem. She kept arguing with me and when she started arguing over me repeating the same words over and over again, I finally said, "please don't keep saying that to me, who do you think you are to speak to a... (read more)
★☆☆☆☆
“rip off”
Written on: 05/04/2013 by vontufty
I went online to order a tesco credit card to set up a balnce tranfer from my new card to my old card. The connection timed out and i couldnt complete the transaction. to save further frustration i ordered my card and set up a balance transfer over the phone. two weeks later I get a statement indicating that the balance transfer has gone through twice. I phone tesco who say that i ordered a balance transfer online AND over the phone. apprently even though i didnt complette the inline order,... (read more)
★☆☆☆☆
“Tesco Hike their interest rates”
Written on: 04/04/2013
"Every little helps" and that is exactly what they are doing with their interest rates. Had a card since they first came out, never missed a payment, don't use it that often and low & behold, they try and steal money by increasing their interest rates! Cancelled the card and will also cancel shopping there, do likewise and tell these people what they can do & where they can go with blatent profiteering! (read more)
★☆☆☆☆
“Low credit limit = useless”
Written on: 28/03/2013 by AnnieBaker (3 reviews written)
Now we are not people who have allowed ourselves to get into debt, apart from a reasonable mortgage. However, when we applied for this credit card we were given an extremely ungenerous £400 credit limit for two people ... despite being very careful it is easy to go over this limit. They refused to increase this until after a year of "good behaviour". I understand there's been a credit crunch but when our other credit cards have a £3000 limit it seems odd that tesco bank are not able to... (read more)
★☆☆☆☆
“Unfairly blocked card for 'security reasons' ”
Written on: 26/03/2013
but this is not the real problem. I can understand (possibly) that it was a higher than usual transaction, but under £1000, and way below the limit / available credit on my card. However, I had taken ages to put together an online purchase of many items when the card 'bounced'. I got the text msg and called Tesco/RBS - but there was 'noone available until tomorrow morning sir, they go home at 8pm'!!! Card is in the shredder - as is Tesco / RBS service standards. :( (read more)
★☆☆☆☆
“useless call centre and useless customer service useless ”
Written on: 23/03/2013
Tesco locked my credit card for security reasons. I guess it's because I used it twice on same evening to book send it now. I rang them and had to give up after 10 mins. I tried them again and it took 17 minutes to get through - not good. Because I didn't have my security number because on 2 previous occasions Tesco did not send it I could not speak to anyone about my credit card so cannot use it - I am furious and when I get my credit card bill I am paying the balance off and... (read more)
★☆☆☆☆
“Poor Tesco Credit Card Application Process”
Written on: 12/03/2013 by Joff (8 reviews written)
I have read some nightmare stories from other reviewers regarding the Tesco Clubcard Credit Card and I am now delighted that having waited so long for approval, I have contacted them and cancelled, thus avoiding further disappointment. I am very fortunate to have a highly paid job and a property with a mortgage of less than 10% of its value. I only mention this because one would think that a decision to take this card would be almost immediate. The only reason I even thought of getting this... (read more)
★★☆☆☆
“Beware of TESCO Balance Transfer Trap”
Written on: 08/03/2013
I have had a Tesco credit card for years, It has earned my wife and I flights to Budapest & Nice and many 4 x value meal vouchers. So what is my problem? Just took out a Tesco offer of a 0% Balance transfer I thought the law had changed so that when you make a payment the higher interest (i.e. Purchases are paid first) Not with Tesco, I just got £18.49 purchase interest even though I paid off more than my purchases and some of the balance transfer. Advisor said this is in line with most... (read more)
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Showing 1 - 10 of 107 Reviews
★★☆☆☆
“Very poor service”
Written on: 07/03/2013
We chose to make payments by faster payment (this was a contradiction in terms!!) The sort code and account number to make payments to are right at the bottom of the second page of the statement, in minute writing that you need a magnifying glass to read. Some payments went through ok but on 2 occasions the payment was returned and we were unaware until our next bank statement arrived, showing the payment go out and come back in again. Needless to say the next bill from Tesco shows a late... (read more)
★☆☆☆☆
“Don't go there!”
Written on: 06/03/2013
I thought that getting Tesco Credit would be a great option given I shop there and the interest rate was low. How wrong could I be?!? Calls to Customer Services took too long and were no help. Requests for statements were ignored. The 2 letters I did receive in the 6 months I was with them were to tell me I was overdue with payments. something that wouldn't have happened if the statements and alerts I'd requested had arrived. They had either no record of the requests, or delayed things by... (read more)
★☆☆☆☆
“Bad beyond belief ”
Written on: 02/03/2013 by eggbert12
Hands up I didn't have enough in my account to make a payment I accept that and the fees charged what I find hard to take is that they included that amount in the next statement but had subsequently requested it and had been paid therefore given it was more than double was refused again and more fees were applied. After numerous phone calls all of which I have to pay for and lasted an awfully long time finally got to pay what I really owed only to discover they again tried to take out the... (read more)
★☆☆☆☆
“Tesco credit trap”
Written on: 26/02/2013
Tesco credit cards formerly RBS card services are quite simply extortionists and liars that will squeeze you for every last penny they can. I discovered to my great anger the treatment my other half experienced at the hands of Tesco Bank. Having been to the store to buy groceries she was signed up for a Tesco Credit card with the carrot of reward points and then became caught up in a credit trap lasting several years. The eventual cost around four hundred and sixty pounds in fees plus years... (read more)
★☆☆☆☆
“Poor customer service”
Written on: 25/02/2013
Poor customer service. Have a habit of freezing your card and leaving you without any means to pay. Very unhelpful when you ring. (read more)
★☆☆☆☆
“Rubbish! Really not helpful”
Written on: 31/01/2013 by SusYu12 (1 review written)
If you want to be threaten by their customer service, you are welcome to join the card. Rude, love to threaten customer. Unwilling to help. Go extra miles to make tings hard. Thats what they call " a little bit help!" (read more)
★☆☆☆☆
“Liars.....”
Written on: 03/01/2013
Three phone calls at my expense to complain about an account which I actually closed 11 months ago. This morning I recieved to my horror a statement from Tesco Clubcard Credit Card for £97.71. I rung firstly to advise them of an error there side and to enquire how could they allow a payment to be accepted to a card against my name that I closed 11 months ago, I got lies. The second time I rung back once dealing with the company who used my card number (automatic annual renewal), I was told... (read more)
★☆☆☆☆
“Bad all round”
Written on: 29/12/2012
Avoid. Bad card, bad customer service. I had the card for over 13yrs never needed to ring them but recently my experience is, They will do what they can to avoid giving you MasterCard cover when you need it. If you speak to customer service be prepared to be shouted at and told off. The worst if you complain they will tell you are iying. I am giving up on tesco credit card. (read more)
★★☆☆☆
“Faster Payment”
Written on: 05/12/2012
How come that when i pay an additional payment on my card it takes ages to clear. It comes up on my Tesco online payment as Faster Payment recieved clears my balcance but doesnt show as actual cleared funds for up to 5 days. I thought the whole idea of faster payments means it leaves my bank straight away which it does !! arrives to tesco credit card they say payment thankyou yet it seems to get lost in transit!!!! (read more)
Stenataar's Comment
Written on: 25/02/2013
I have also found this. It leaves my bank within 2 hours but takes a week to arrive at tesco - result - blocked card and left without means to pay having filled up with petrol. How can they do this? Outrageous. They should be banned from running financial services.
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★★☆☆☆
“dont try calling”
Written on: 29/11/2012
Credit card is fine unless you wish to raise any issue. staff unhelpful when they eventually answer the telephone. The call waiting message does repatedly tell you how much the staff do wish to speak to you?? I have had the card for a couple of years and no issues until I have tried to call them twice over the last two days. The call has never been answered within 10 mins on both occasions. Yet is is costing me between 12p and 15p per minute. Appauling way to treat customers. (read more)
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Showing 11 - 20 of 107 Reviews
★☆☆☆☆
“Unjust Charges”
Written on: 14/11/2012
Tesco Bank's mismanagement of statements leads to Direct Debits not clearing accounts so they can then charge late fees to customer claiming arrears when their mismanagement leads to this. (read more)
★★★★☆
“Dont know why the bad reviews!”
Written on: 09/11/2012 by boden18
We have had a Tesco Visa Credit card for some years now and never had any problem with them. It seemed to be easy to set up (although memory a bit vague), and once you get into a routine of statement date-payment date there really is no complication with it. Plus we manage to add a significant amount to our bounty of Clubcard points every month. Never had any problems with late payments etc and we pay off in full every month. Have had the card locked a couple of times (as mentioned by... (read more)
Stenataar's Response to boden18's Review
Written on: 25/02/2013
But as you have said, they have locked your card a couple of times.. Now consider that they do this just before you put £100 fuel in your car, the card is declined and you can't contact customer services as you get a recorded voice saying to call during office hours. Ahhhh! Not so good then is it!
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Aaa27's Response to boden18's Review
Written on: 04/03/2013
No issue with their decision to lock my card, but unlocking my card was anything but quick.
1st call: half an hour call waiting hearing "how much they wanted to speak to me", then, when I thought I was through to someone the line just went silent and I had to hang up.
2nd call: on hold for 20 minutes - then was told the department is no longer open and I should call the next day.
I asked whether there was anything unusual going on or whether the call wait times were typical. The operative seemed to think it was business as usual.
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★☆☆☆☆
“Appalling Service”
Written on: 06/11/2012
We cancelled our joint credit card over 2 weeks ago when my husband lost his wallet. we had to put in writing that we wanted replacement cards and are still waiting for them more than 2 weeks later! Tried to phone to investigate but have been kept waiting on premium rate number for 15 minutes so gave up.We have previously found it impossible to resolve queries with them by phone. We will now be switching to another credit card. Our MBNA credit card which was lost at the same time was... (read more)
★☆☆☆☆
“what a state”
Written on: 29/10/2012 by Mattwills1 (2 reviews written)
Have Tesco lost the plot? After being subjected to constant on line advertising I applied for a Tesco credit card for no other reason than the club card point’s incentive. After filling in the oh so easy "quick" on line application I received a request by post requesting Bank statements and other documentation. This was promptly sent with the exact information requested. A week later I received a letter stating that Tesco had been trying to contact me to discuss the application. This is... (read more)
★★☆☆☆
“Poor service with security”
Written on: 25/10/2012
I have had Tesco Visa as my main card for over 10 years now, and frequently run into security issues. For example, "Card held because of unusual activity, spending in Duty Free and in Spain" Yes - I am on holiday with my family! And the latest ... Card suspended, I found out when trying to pay for a tin of paint at B&Q. "We can't tell you why, you need to wait for the special PIN we will post to you". 12 days and several phone calls later, no PIN has arrived, no letter of explanation and... (read more)
Forgetfulat60Plus's Comment
Written on: 21/02/2013
Despite two lenghty phone calls last week to cancel Tesco Visa card because my extra card held by my son had been eaten up when he tried to use it in Dublin, no further on. I failed my security test by now knowing exactly my credit limit and giving my mother's married name instead of maiden name,(which I corrected) one can get confused when you are left holding on! My son who reported the matter immediately was told I was the only one who could cancel the card.After my two bad mannered calls I asked Tesco to cancel my cards and send me a balancing statement to clear the account. Today I get 2 new cards in the post!
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★☆☆☆☆
“Avoid like Plague!”
Written on: 25/10/2012
What a complete and utter waste of time I have had with this crowd at Tesco Bank. I am a professional, I earn in excess of 60k pa and I have a Barclaycard with a 7k limit. I applied for a Tesco card as want to do a balance transfer of 3k, only to be issued a card with a £400 credit limit.Tesco won't budge, so it has been an utter waste of my time. No one responds to correspondence and you are kept waiting for ages when you call. Take my advice, stick with the major players, this lot are... (read more)
★★★★★
“22 months of freedom”
Written on: 09/10/2012
I've just found the Tesco Club Card Credit Card on a comparison website with 22 months on balances transferred! At only 1 month less than the Barclay Card I currently have this is great (because you can't get 2 card from the same bank) so it will end up cut what I would be paying in interest by about £50 per month - it also come with extra clubcard points which I can then use to get goodies for the family. All in all a great product - Well done Tesco! (read more)
★☆☆☆☆
“Disgraceful ”
Written on: 01/10/2012 by Dave882
I made the mistake of applying for a Tesco credit card and was declined. I asked why by letter which was not replied to and by telephone, in which I was told that it couldn't be disclosed but I should check my credit rating. This I did and found I have an excellent rating with no adverse markers whatsoever. I therefore wrote again and received a letter requesting sight of my passport or a similar document but still no explanation. As a lifetime UK citizen and a HR taxpayer I see not reason... (read more)
★☆☆☆☆
“Penalised and credit score wrecked through their mistakes”
Written on: 30/09/2012 by solidgold (1 review written)
I am the unfortunate user, or was, of the wonderful???? Tesco Clubcard Credit Card. Don't touch it, the points aren't worth the hassle of this Tesco Bank crowd. I had always paid off the balance in full by direct debit. Decided to make a larger purchase with this card and as there was 0% interest changed to paying a set amount each month which was way above the minimum payment. After a few months I decided to revert back to paying off the balance in full and that's when the problems... (read more)
★☆☆☆☆
“SHARKS BEWARE !!!”
Written on: 07/09/2012 by Nowaware
HAD A TESCO CARD FOR PAST FEW YEARS WITHOUT A PROBLEM. FIRST TIME EVER, THEY STUCK ME FOR £12 PENALTY BECAUSE I WENT OVER CREDIT LIMIT. THE RUB IS: I PAY THEM IN FULL BY DIRECT DEBIT EVERY MONTH WITHOUT FAIL THEY HAD NOT TAKEN THE PREVIOUS MONTHS BALANCE YET, SO LUMPED THE LAST MONTH'S SPEND TOGETHER WITH MONTH TO DATE AND I WAS OVER THE LIMIT BY £121. LESSON LEARNED, DON'T ASSUME AS A GOOD PAYER OR THE FACT THAT YOU ARE IN A NEW MONTH, THAT YOUR FULL CREDIT LIMIT APPLIES. WORST OF... (read more)
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Showing 21 - 30 of 107 Reviews
★☆☆☆☆
“Urgent read down ”
Written on: 25/08/2012
These club card points are a total waste of time. Tesco customers spend months and months collecting them and at the end of the day they get forced to use the exact amount. Today I had points worth £6 and bought things worth £5.97 and because of the 3p difference everything were declined. A big Thank you Tesco for wasting my valuable Time &&&& my dinner + ruining my night (read more)
★★★★☆
“It's been good so far!”
Written on: 23/08/2012 by aegisuk (1 review written)
I've either been lucky with this card so far, or I use it differently from most other people. I've had it for 3 months and I don't really keep a balance on it. I don't rely on direct debits and I haven't had to call customer services yet. So far it's been great. Clubcard points for nothing really as I just use the card to buy things and then make an online payment to it from my bank account. I use mine 2-3 times per week and I'm more than happy with it so far. (read more)
★★★★☆
“16 months of spending!”
Written on: 11/08/2012 by Jack.Warns (3 reviews written)
Just got a 16 month Tesco card and I'm very happy with the product - it's basically a win/win for me. I get to use the card to fix up the house, but I'll also earn clubcard points on everything I spend - great! One thing I would say is that the application progress is a little hard work. Maybe not as bad as you might first think (9 steps of an application form - There's less for a passport!), but it's a nowhere near as straightforward as it has been with other finance products I've got in... (read more)
★★☆☆☆
“Aviod it unless you'd alaways stay within the credit limit”
Written on: 10/08/2012 by tech12
Tesco seems to be very keen when it comes to applying default charges for going over the credit limit like all the other financial companiese e.g. a £12 default charge is applied on the account on 6th of the month where once has gone over the credit limit by even £1. So anytime within a month you go over the credit limit expect a default charge letter on or after 6th of the month. (read more)
Vesparick's Response to tech12's Review
Written on: 11/10/2012
Not to be flippant but a credit limit is there for a reason and not to be exceeded which is why it is called a 'limit'. Those are the terms you signed up for and agreed to when you put your x down. So if you go over even by 1p that's your fault not Tesco Bank.
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★☆☆☆☆
“Terrible Customer Service ”
Written on: 30/07/2012
Because of the nat west, rbs bank error in May two payments for the same amount were paid from my rbs account into my mastercard. I requested that one of the payments be refunded back to my bank account. Unfortunately now because Tesco have showed the repayment as a payment from my card and not an adjustment we have now gone over the credit limit even though the amount we owe is less than this limit. The card has now been on stop for nearly three weeks through no fault of our own. Terrible... (read more)
★☆☆☆☆
“terrible card- max 10 transactions per day (even for...”
Written on: 29/07/2012
AVOID TESCO CREDIT CARD they have a transaction limit of 10 per day before they suspend your account, so if my wife uses it 5 times and me 5 times you get that moment at the till where they say in front of everyone YOUR CARD HAS BEEN DECLINED have you got another one. but you have noway of knowing when you reach 10, other than by phoning the wife and saying how many have you made, you could spend 10 transactions at £1 and get suspended, but spend 9 at £1000 each and they wont suspend your... (read more)
★☆☆☆☆
“AVOID THIS TERRIBLE COMPANY”
Written on: 25/07/2012
TESCO CARD DECLINED AT PETROL STATION ON M40, NO END OF TROUBLE CAUSED. ALSO DECLINED PAY AND GO TOP UP. CARD HAD OVER £6K OF CREDIT ON IT AND BILLS PAID IN FULL. AWFUL CUSTOMER SERVICE I AM TRYING TO CANCEL THIS CARD - BUT EVEN THATS DIFICULT (read more)
★☆☆☆☆
“Tesco Clubcard Credit Card. Cannot recommend this card”
Written on: 23/06/2012
Had this card for about a year. Been paying by a regular direct debit on the same day of every month. No problems. Then last month without warning the payment date was moved later by Tesco by 6 days which meant the direct debit did not come out on the usual day. Then they charged me a £12 late payment fee. Then they actually took the direct debit the day after the late payment fee. I called up to query the late payment fee and also to get the direct debit moved back to the original day for... (read more)
★★☆☆☆
“Debit Card details ”
Written on: 28/05/2012
I have been paying my tesco credit card online for a number of months with no problems. On trying to pay this month's account I have been prompted to enter my Debit Card details. Being somewhat puzzled by this request, I contacted the helpdesk. They informed me that because of an upgrade to a new server, it is now necessary to add my Debit Card details again. When I asked where the previous entry was, I was informed that it had not been 'lost' but that it was necessary to re-enter my... (read more)
Rabberto's Comment
Written on: 06/06/2012
Had the same experience, like you I was not very pleased. The fact is, Tesco Clubcard Credit Card is run by a load of clowns who haven't got the first idea about customer service.
They are completly useless and worth avoiding unless you really want the Tesco Clubcard Points.
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★☆☆☆☆
“Card Declined, tele-support lines and logons do NOT work”
Written on: 20/05/2012
Card declined in a restaurant with no warning and there was no way to get to their customer support all the telephone numbers advertised came up as not working at this time. Internet site was down as well so couldn't check my balance. Could have been worse (but not much) I could have been abroad. Sounds like Tescos has had a "life changing event" with no resilience built in to allow for issues.... (read more)
Guest's Comment
Written on: 22/05/2012
Exactly the same thing for us. 2 times declined... eventually (15 minutes) got to speak to somebody, 100% guarantee that things would be sorted out by today by 13:00hrs and guess what ... declined again. Want a new credit card :(
NOW they tell us wait another 36 hrs.... whats the guarantee then??
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Guest's Comment
Written on: 29/05/2012
I'm in the US on holiday. I use my Tesco card for everything and don't carry much cash. I've spent an hour on the phone to Tesco over the past couple of days because the card is declined at every transaction. They initially said that it was a problem with one merchant's terminal but now say that it is a known system problem at their end. However, they're offering me no assistance whatsoever which I find unbelievable. I have a Tesco Finest (Platinum) card with over £10k of credit and have had this for many years. Needless to say I'm not going to be staying with these clowns and as soon as I get back to the UK. Fortunately I'd paid for my accommodation in advance; otherwise I've no idea how I'd be able to get out of this situation but Tesco don't give a stuff.
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Showing 31 - 40 of 107 Reviews
★☆☆☆☆
“Worst Customer Experience I have ever had....”
Written on: 10/05/2012 by CustomerExperienceExpert
Where do I start. By telling you to avoid at all costs. I applied for this card purely to get the Tesco points, got a pathetic £250 limit (all other cards are around the £2000 limit). The main bone of contention was the automated letters sent out every month saying that you have gone "over limit" and the subsequent £12 pound fine . After 3 months of this happening I had enough. I phoned up the call centre that took about 10 minutes to answer (0845 number) to cancelled the card. I asked... (read more)
★☆☆☆☆
“Payment taken twice”
Written on: 05/05/2012
Seems there are system problems at Tesco Central. I make my payment using their automated phone system and this month they took one payment but also authorised another. That means that even though the second one won't be debited my bank won't allow the 'reserved' funds to be used, meaning that I can't withdraw cash and I run the risk of direct debits being returned despite there being enough funds in the account. My bank tell me that they used to be able to reverse these things but now... (read more)
Guest's Comment
Written on: 05/06/2012
Same here! They are blocking the use of my Visa Card by reserving double the spend at Tesco .
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★★★★☆
“I've had this credit card for just over 3 months now....”
Written on: 27/04/2012 by rupal2 (90 reviews written)
I've had this credit card for just over 3 months now. So far it has been like every other credit card I have had. No problems at all. Then again I pay it in full every month, and use it wisely. Applying for the credit card seemed easy enough, just completing an on-line form, where you got your answer of acceptance straight away. The points aspect of it isn't as great as it used to be, but as the saying goes, every little helps. Especially right now. If your thinking of getting this... (read more)
★☆☆☆☆
“Tesco Do Grocery NOT BANKING/INSURANCE”
Written on: 19/03/2012 by Extescofan
I have shopped with Tesco for over 20 yrs! Thats what they were good at, selling groceries. But they cannot do banking, because they try do do it cheap and it doesnt work. I had insurance with them too and had to leave within a few months because they messed up a non claim! Then I niavely thought having their credit card where I could gain airmiles, would be easy. Only to find that even when you make regular large payments and only have £80.00 outstanding of a £400.00 credit, with... (read more)
Dzidek's Response to Extescofan's Review
Written on: 03/07/2012
Credit limit that small is to catch people in trap to make them pay 12L fee- so they could earn money for extra tesco points they spend on you and for all people in bank they employ. Of course it's you that need to check credit balance every day to know how much of this 400L you have left...
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★★★★★
“Been with them 2 years and all has been great.”
Written on: 04/03/2012 by robmo33
Never had any problems. Great getting the points which are then turned into rewards including clothes, cinema tickets etc. I pay my balance off each month online and it's always easy. Check balance online whenever I like too. Read on Moneysavingexpert that rather than use your current account if you use credit card and pay off each month your credit score will go up. Think the only charges I ever got were a few pounds when I used it abroad. A little annoying but probably standard practice... (read more)
★☆☆☆☆
“Terrible customer service”
Written on: 16/02/2012 by disastra
Called 'Customer Services' as I had a disputed transaction with a taxi company charging more than was agreed over the phone. Spoke to two people at Tesco who couldn't offer any help. Although Tesco offer a long interest free period and give extra Clubcard points I have found their customer service to be truly shocking for a credit card provider and will not be using the card again if they cannot offer any level of protection when something goes wrong. Think I'll stick to Barclaycard who have... (read more)
★☆☆☆☆
“Avoid at all cost. These people will ruin your CSR ”
Written on: 27/01/2012 by follos (1 review written)
Avoid at all cost. I used the credit card in 2006 to make a payment for a mortage set up fee. Having made regular payments. I like many other people made a few late payments only missing the payment date by 2-3 days. Whilst recently trying setting up an increase on our current mortgage, for a home extension the application was refused due to a problem with my credit score rating. I called Tesco finance to challenge this and was informed that due a late payment of 3 days and missing the... (read more)
★☆☆☆☆
“This card is dangerous!!!! Tesco clubcard credit card”
Written on: 20/01/2012
Hi all, be warned this card is no good. Tesco club card credit can destroy your credit limit without you even knowing. I am an Avid user of credit cards and use their promotional periods. When i first applied for this credit card i was declined, the csr over the phone gives you no reason why this is the case,when i called a number of times why this had been decline i got many different answers however knowing i am a good user with an excellent credit file i appealed the application.... (read more)
★★★★☆
“Card experience with Tesco”
Written on: 16/01/2012 by probotesco (1 review written)
Card usage is OK. Just don't try to pay what's due online. Transaction goes fine until you reach Visa Verify, when Tesco and Visa do not talk to each other and it all falls apart. Customer service don't want to know and blame the Visa issuing bank. Meanwhile I book holidays and pay off other credit cards without difficulty. Tesco's software at this point is poor. (read more)
★★★★☆
“so far good”
Written on: 29/12/2011 by mymark (2 reviews written)
Tesco clubcard sounds good. As it says, every little helps in the logo. I think this saves a lot for us and I am happy when I receive bonus. (read more)
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Showing 41 - 50 of 107 Reviews
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Top 5 Best Credit Cards
To calculate the top 5's we take the following factors into account:
Top 5 Best Credit Cards
To calculate the top 5's we take the following factors into account:
• All the star ratings the company/product has received,
• The number of reviews
• How recent the reviews are
As rated by real users
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1. American Express Centurion Black
129 reviews read latest review -
2. Vanquis Bank Credit Card
235 reviews read latest review -
3. Capital One Classic
95 reviews read latest review -
4. American Express Blue
49 reviews read latest review -
5. Halifax Clarity Reward Credit Card
8 reviews read latest review
Useful Info
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Frequently Asked Questions
Hot Stuff in
Latest Reviews in Best Credit Cards
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Marbles Credit Card
"Rip off" Read More
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Aqua Credit Cards - www.aquacard.co.uk
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PayPal Credit Card
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Santander Credit Card
"Don't make a late payment" Read More
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Marks and Spencer & More Card
"Overseas call centre keeping t..." Read More
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- Tesco Clubcard Credit Card
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Scotlanduk's Comment
Written on: 14/12/2012
I know Tesco recently changed sort code and account number as I got a letter about it a few months ago. You sure you are not using the old ones? When I pay via Faster Payment from my RBS Account it always seems to go on after about an hour or so.