Tesco Credit-card 

They were complete mental cases who work in there customer service depth.

Absolutely appalling . I’ve had the card three weeks and still cannot activate it or register online.second security number sent by post and no good. If the next one does not work I’ll close the account. What a start. Not feeling confident with this service. Also the security code sent can hardly be seen.more time wasted on the phone. Update after reading these poor reviews. I’ve just cancelled my account that I haven’t been able to use. Not worth the trouble. Let’s see if it happens.

I have had no problems using the card as other users have said for me its worked everywhere fine. The problem is when something goes wrong, every other bank I have been with you have been protected and get the refund but Tesco Bank do not do that. The whole point of using a credit card is because you are supposed to be protected. Does anyone know the address for the Ombudsman next step?

I applied, my card arrived on time, I am using this to build my credit score. I have used once in three months and have paid off before statement has been generated. The issue I have is that when I have been into TESCO stores and attempted to use the credit card it says that the card is not supported???? So I have a TESCO Credit card and in a TESCO store it is not accepted???? I fail to understand - having read the other reviews my anomaly just adds to a portfolio of disaster - TESCO clearly cannot manage this facility in a way a reasonable customer would expect. I am not calling their hotline to get this sorted. I have worked in customer telephony customer services for many years and i can assure TESCO that I am the customer you definitely do not want on the other end of the phone, demanding an explanation as to why a credit card ran by them does not work in their own stores! Additionally, I did not receive my PIN number either.

Time and again they decline online orders I make for household items using our joint card, so I have to complete the purchase using my own "pocket money" card, which leaves me having to transfer money between bank accounts to make up for it. The only satisfaction is knowing that it's Tesco Bank's loss, because they're not getting their percentage from the transactions.
I'd very happily ditch the card if it wasn't for the other half being reluctant to change. (Maybe I should ditch her, but that's a different story.)

I applied November/December 2022 for a 0%purchase deal credit card, as a first time user to the brand. I waited almost five weeks to see if the card would arrive, it never arrived assuming some delays from the Royal Mail strikes.
I called customer services who questioned me in an arrogant tone to suspect as if I had committed some kind of fraud before calling up. It was very hard to get through to begin with , the awkward automated options.
I was advised another card would be issued and to await for this, now into January 2023 I received my card but no pin to date.
I was informed on a follow up call that my 14 months zero percent started when I applied therefore have 12 months left, even though this is not my fault.
Almost all credit cards operate the same as we use them for the same reasons, however the first important impression a company can give is via there customer service team , in this case I don’t value the level of service Tesco team provides as lack in training and manners.
Secondly if you offer something then learn to honour it to retain custom, from the previous reviews it looks like you have not.
TIP: If you use a family club card which you all use, they won’t allow you to add this to your credit card if the club card is not in your name, yet another obstacle .
Overall reduced perks to the card compared to the current credit card market.

like others here i think if you could add -1 you would. i've had it for a long time and it's becoming increasingly difficult to use - the authenticator now is mental. i keep missing out on purchasers. it has to go

Applied for it as on comparison wenbsite said per-approver ( the only reason why applied!). One week later got email said unsuccessful . Why you advertise that "pre-approved"? It will have mark on my history! Wish I never applied! Don't apply- absolute rubbish.

They managed two transfer 2600 from a account that doesn't exist and on top that the they don't know where the money has come from don't bank with Tesco it like the bank from hell and pay other banks in accounts that don't exist you can pay a apple with the quick pay system and money will disappear

Applied for a Tesco Credit card which came with just my middle name on it ? not my first name ?
Reg it online and then rung them expecting them to just send a new card with the rigth christan name on it, which was the only thing not correct, they refused to just do this and told me to go to the post office and get a certified copy sent to them ? wonder if they would have tried that if I had started spending on it ? so just cancelled it ??
Waste of time company !!

Tried using my card for the first time to pay for my shopping and the payment didn't go through. I phoned Tesco credit card services and the duration of the call was over 50 minutes which I'll have to pay for. I spoke to three people, the first two advised me that they will put me through to the correct department and the third person told me that there was noone available to speak to so she would arrange a call back but couldn't give me a date or time! I called a second time and was advised by a call handler that he will send a message to the department that I need to speak and see if anyone is available to speak to, again I was put on hold and he eventually came back and said noone was available to speak to me. He advised that he would send another message for someone to call me back and this didn't happen! I've tried to phone them a third time and their office is shut. How difficult is it to tell me what's wrong with my card and resolve the issue?!

Got a text that the card will arrive in 7 to 10 days on the 6th December still nothing.Phoned them to be told declined???

Cancelled John Lewis card with 10k+ limit. Applied for Tesco Credit card. There is absolutely no way they will increase limit above 3K+ couple of hundred.
Phoned but the "girl" was so rude I threatened to cancel. Did not but ...... She talked over me the whole time and had not listened to what I had said. I had to correct her so many times.
Cannot even pay for my holiday.
I have credit score of 968/999, my husband is about the same. (Experian)
This is NOT a card for people who want to be taken seriously. BEWARE - you cannot even pay for your next holiday on this card!
Having taken all our details they will know that our financial situation, as "older people" is more than secure.
I am not so much embarrassed as totally confused at age 78 years! I am embarrassed for Tesco if I am, honest!
My holiday firm has agreed to take instalments within my limit - I will then pay off in cash and pay another. You have to think outside the box with Tesco. That is the only way we get our Tesco points
It is a sad world but the giants will always take us for a ride. WE MUST find ways to get back!
Charge on CC, repay asap, charge again in same month if you can afford to repay. Forget the monthly rule!
IF it was worthwhile I would complain but WFH = nobody cares anymore. WFH = WT*. Subtle but we all must take it as true.
They now seem to WFP (P=Pub) according to the media. If you disagree - your choice!
I can count on one hand, the companies that have given us good service recently - Tesco CC is not in that list but I live in hope.
So sad as in my late 70's. It was NEVER like this!!!

My card expired and Tesco lost my replacement card, twice!!!
Talk to you like you’re dirt, 25 min plus wait times!!
I have registered for two other cards and received them, from two other providers quicker than these clowns can get a replacement to my renewal out!

Don’t bother getting one. We have had ours for years, always paid it off on time, and use it as a back up if someone won’t accept American Express. We had to pay for a holiday recently using the Tesco Card and subsequently received a text saying we were approaching the credit limit. I phoned the help desk to try to increase it by £1000 but was told that the computer had rejected the request because in the past 12 months our recent spend was the only time that we had approached the limit. As a result the increase wasn’t apparently necessary. The decision is fully automated and you can’t argue the case with a human being. Total nonsense.

78% as terrible service tells you everything - avoid these guys

I have recently starting using my card again and always pay my minimum payment on the app, a couple of days after latest statement notification. However, the last 2 months I have been hit with a late payment charge, as they have somehow added my payment to the previous month instead of current month. I called them and after a wait of 20 minutes, was put through to a very rude advisor, who either had great difficulty understanding my issue, or just didn't want to. Apparently I have been paying too early!! Really? When I asked what could be done about it, she hung up on me. Disgraceful service. I have now paid my balance in full and refuse to use them again.

This company is quite happy to notify you after you have missed a payment, but can't notify you before they charge you to give you a chance to recitfy it. Very quick to note it as a default of payment on your credit file, even if this is the first time this has happened. Thanks once again profits before customer support!

AVOID!
Ordered a tescos credit card, card came through ok but no pin number. Spoke to customer services and the guy was rude and not interested in my issue and just wanted to get me off the phone. First thing he said was really sarcastic - have you checked your post and made sure you have opened it all up - couldn't believe my ears - felt like saying 'Oh no thats it, Ive just sat waiting on the phone for half an hour for nothing and my post isn't even open'. Then he went on and blamed the postal strikes, when the strikes were not on when the card pin should have arrived in the 7 days previous. This guy should not be in customer services as can't do the job.

I also asked him if the clubcard was linked to my account as I gave the number of it when I applied for the card. the guy could not answer t and had told me I had to speak to another department, despite me asking for it to be linked on the application form and giving the clubcard number.
What was the point in putting it on the application form if your not going to link it then?

Glad I found out soon enough that these will be a poor company. god knows what they would be like to deal with if a more major problem occurred like a stolen card, scams or wrong transactions when you get spoken to in a sarcastic way by there employees.

Now going to use a different card from a more reputable company

Have had this card for 6 years. Have not missed one single payment in that time, I have a reasonably well paid job with a perfect credit score. I asked them to increase my credit limit by a small amount, because occasionally I buy something like a holiday or a new tv (and prefer to do this on my credit card because of the extra protection), and whenever I did this it put me near the pathetically low credit limit. My request was declined, which I disputed to only get declined again. I found this to be completely unreasonable and after raising a complaint, there was no real answer as to why. I only asked for the increase because it was adversely affecting my credit score if I used 50% or more of the credit limit (which wasn’t very often and every bill was always paid IN FULL). I applied for an American Express card and have almost 10 times the limit. Nice that one company appreciates responsible borrowers and rewards them accordingly.