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 others) due to seemingly insignificant purchases but this is the only thing I could quibble with and I suppose re card fraud its better to be safe than sorry. A quick phone call has always unlocked it again. I would recommend this credit card to anyone!

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.

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 the last year (my ISA for instance). All that said it is largely a short term annoyance - once you have perceived once you don't need to do it again. All-in-all I'm very chuffed with this card.

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.

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.

Make most of my purchases these days using a credit or debit card issued by my bank. However I get zero reward on either, so I decided to get a Tesco Credit Card to at least earn something back....be it only a few more club card points. Was expecting a low credit limit to be set after speaking to other people I know who have the card but oddly the limit I was given was very high. Had some trouble changing the PIN number of the card when it first arrived but found customer services easy to access and helpful too. Paper statements arrive with little time to spare until payment is due so you need to act quick to avoid a late payment charge.

I regularly shop in Tesco, so I use their card to get the extra club card points. There was a short payment period when I initially got my card. I rang them as the due date did no coincide with my pay day. They were extremely helpful and moved my due date to one which was a few days after my pay date. Excellent service. I have had no problems to date.

I've had my Tesco Credit Card now for a few years. As a 'pay off the bill each month' type of person I can't comment on interest rates (although I think they do 0% for 6 months). Main plus points are customer service - they answer the phones really quickly (no being put on hold with dodgy music). Also they offer the facility to pay the bill on the phone using your delta card. Really handy and saves trips to the bank to use the Bank Giro Credit slip.

The card also gives you ClubCard points each time you use the card. You get 1 point for each £2 spent (works out to 0.5% return). This is especially good if you are a premium clubcard holder, as you quadruple the value of points when buying 'goodies' from their Freetime catalogue.

The only downside?? A gaudy card design which a bright orange flower on it!!