Tesco Credit-card 

I agree with the general consensus on here. I don’t think Tesco CC are intentionally bad but their app often displays incorrect details and when you make payments, unlike every other card I have ever had, it takes days or even up to a week to show. Some incredible investment required to bring their offering into 21st century.

why dont you get into the 21st century and allow the credit card to be used on android phone for easier payment we dont only shop at tesco !!!!

They are absolutely terrible. Imagine the worst customer service - it is far worse than that. If you need any sort of assistance from them, you are royally screwed. If anything goes wrong with the card, you are royally screwed. Even paying them to settle your bill can be a giant pain in the a**!
Complaining doesn't help either. If you complain and expect something to be resolved, you can keep wishing. If something does go wrong, you are better off either: blocking your card, figuring it out yourself, calling their "helpline" and being on there for a while, or just complaining to the ombudsman - although legal action might be faster.
Anyway, think several times before using their credit card, and be very careful when you do use it.

I have had a Tesco credit card for years without issues, but will now be changing and using another account. My card is declined in over 80% of my online purchases in the last year. When I call them, they tell me that there is nothing wrong with my card but they have strict security procedures and other retailers have not kept up with them. They firmly blame everyone else. Ridiculous as I can't even use it to do my weekly Tesco shop!

Terrible avoid applying for new cards. 3 weeks since approved and 2 weeks plus since I received card and pin. Card is still blocked and haven’t used. Customer service got no clue excep excuse that this is dealt by diff department and they are short staffed. Except call back but it could any number of days months or years! Technically your credit file says that you hold card but i dont have one! Stay away from this fraud!

Never had any issues with my tesco credit card since I've had it. Started with a £300 limit and it was increased to £600 after 4 months which I was quite impressed with. I pay off in full each month through the app which is so easy to use and navigate. Not sure about all the negative reviews but no issues here

We all like our card to be secure and protected from fraud, but every 2 out of 3 online transactions failing because apparently these websites have not implemented recommended security is not a great customer experience. 30 minute wait to find out about my card status not great either. No such issues with other card providers.

I received a text message saying my card was being replaced and that I should receive the new card in 10 days and that I could continue to use my existing card.

What was missing from this communication was that they were intending to make my existing card invalid after 10 days this was missing from the text.

This resulted in a payment on the 11th day being declined ironically with Tescos for online shopping.

I have seen the reviews for Tesco Bank and was surprised as I have had an excellent experience with them. My credit cards have been so easy to use and operate and I have experienced no difficulties at all.
They are much better than other providers I have used.

worst credit card provider, they did not honour the charge back facility and didnt even make contact with the trader. They are a law unto themselves, DO NOT USE

I paid on the day my statement appeared online and was hit with a late payment fee. I was told I had paid "too early". They refunded the £12 penalty but didn't tell me they removed my 0% balance transfer deal and charged me £50 interest the next month!

Used to be up to speed all the time with Tesco credit card. Pending payments would come off the available balance. For the last 6 months there has been a big discrepancy in the pending payments showing and the available balance. The time pending payments are staying on the account. Up to a week I am starting to worry about their processes and a billy to continue as a lending infrastructure as well as causing people financial difficulties

I’ve held a Tesco Credit Card since 1999 and the Credit Limit has been unchanged since that year. I’ve always paid the monthly balances on time and in full – in recent years by direct debit.

Out of the blue and completely unsolicited I recently received a letter from Tesco Credit Cards. It started :-

"Hello, Based on the information that we hold, you are eligible for a credit limit of ...."

The figures mentioned would have constituted a 50% rise in the existing limit.

I gave this some thought and decided that I would like to take up this offer. After all prices have increased quite a lot since 1999. So I telephoned the same day (two days after the date on the letter itself) to request the 50% increase.

Only to be told “Computer Says NO”. In fact it wouldn’t even allow a tiny rise.

I asked for an explanation but after receiving a letter I am really none the wiser. Here are some extracts from the correspondence :-

“While I appreciate you’ve explained there’s been no change in your circumstances, our assessment at the time of your request … showed you no longer met the criteria for an increase”

Really? I requested the increase two days after the date on the letter offering me it!

“I understand you’d like an explanation as to why, but unfortunately, I’m unable to provide you with this as lending criteria is business sensitive information. However, I can confirm that we consider information such as your balance and payment history, how you use your card, and the percentage of your credit limit in use at any one time. We also use information provided to us by the Credit Reference Agencies which can include your level of indebtedness, financial commitments, and repayment history with other creditors.”

That last sentence prompted me to log in to my ClearScore Account to see if there was some sort of mistake. But it looked fine saying :-

“Doing well on 10 insights and 0 you can improve

No accounts in arrears
You don't have any accounts with unsettled debt

Keep your credit use low
You've not gone near your credit limit in the past 6 months

Stay on the electoral roll
You’re registered on the electoral roll

No recent legal action
You don't have any bankruptcies, CCJs or IVAs on your report

Keep unsecured loans low
You have 0 unsecured loans

No debt collector searches
You don’t have any debt collector searches on your credit report

No hard searches
Lenders have not viewed your credit report in the past 6 months

No credit card cash withdrawals
You've not used a credit card to withdraw cash in the last 3 months

No defaults or repossessions
You have no defaults or repossessions on your report in the past 4 years

Keep paying on time
You haven't missed any payments in the last 4 years”

Clearscore uses the Equifax Credit Rating Agency Score and mine is showing as :-

“974 out of 1000 Stable”.

Of course I can continue to use the Card as before and it is certainly useful as it acts as a Clubcard in Tesco Stores (earning discounts and points) and is a good way to pay for online groceries from their website. But what a pity that the Company won’t explain what the problem is but instead seems perfectly content to damage its relationship with a long term customer.

Tesco credit cards are the worst company I’ve ever dealt wit. They break rules, regulations and the law for a quick buck. I called them out Abbas refused to pay their unlawful charges 3 years ago. They went silent until they sold the debt. I’m now suing them through smash claims. I strongly suggest you go legal as soon as possible for less than 5k. That way they can’t recover costs and have to deal with you properly. Flood the Courts with claims and watch their legal fees rocket. Total scumbags

Appalling company I applied for a loan I have not had no updates no one has contacted me I don’t know what’s going on. I was pre approved everything was ok and still till this day haven’t heard anything joke of a company

I have had a credit card for about 20 years with Tesco's and over the years they have had a reasonable service and given a descending amount of points which are also of descending value. Of late trying to contact them is like nailing jelly to the wall if you request online banking they block your telephone banking access for days so you can't manage your balance for days the points are not worth the aggravation. For many years I have recommended that friends and family take out a Tesco credit card but not any longer. There is no serious attempt to offer customer service. Michael B

I’ve been with them for over 20 years. They keep blocking my transactions despite only using a fraction of my credit limit for no reason. You try ringing them to sort it out and they put you on hold then cut you off. I only want to pay off my balance and leave but can’t!!!! Very frustrating.

If there was a 0 I would give it 0.. signed up for a tesco bank credit card. Paperwork came in the post to sign… signed sent back same day! Around 2 weeks later still waiting so contacted tesco bank who confirmed that they have “lost” my signed documents! Imagine if this was a car insurance claim…. Lost documents then would be very costly! What’s even more annoying is how it’s never their fault. Could this be a lucky escape to not get a card with tesco! Probably!

Check your credit card bill everyone!!! Tesco got mine horribly wrong!!! I made duplicate payments and they still charged me with late payment fees and in addition to that - interests. Had I not called up to complain about it, they would happily go quiet without a word!! This was what happened. In December, I paid them the bill that was due. In January, I received no bill, so mistook the bill for December as January and paid them as well (that's my fault for not reading clearly) but they did not picked that up and sent me the bill for February charging me late payment fee and interest for the December bill which I've already paid back in December ?????? This does not make any sense to me. There must be some dodgy business going on in that dept.