Tesco Credit-card 

Closed my account because I was paying it and then spending. Bit confused I thought that was what they card was for. I'd avoid these jokers over priced the same as the supermarket.

Avoid!
Got a new credit card last month all went well. Got my statement through and my pay date was 2 days before I got paid. I paid my minimum payment and called tescos to move my payment date to the day I get paid (2 days later). I spoke to a very rude agent who didn’t seem like he cared and told me to get into debt before they could do anything he could offer me 2 weeks before my due date but nothing after! Shocking service! I will be taking my business else where

I applied for a 0% interest fee on balance transfer card and thought that all was good. I made the balance transfer and paid it off before my 1st statement. Checked my account (a month later) and I’ve been charged interest for the balance transfer.
I called customer service and they said that the card I applied for is the wrong one so I need to pay the interest. I applied for this card directly through a broker. They confirmed that it was 0%. I can’t find a copy of my agreement anywhere. Avoid these people, it’s not worth it, I’m very particular when it comes to these things and would not have applied if I wasn’t assured the 0%.

Since I’ve had the card I have never missed one payment or gone over my limit. After a few months, Tesco contacted me to say they will be increasing my limit. Just before my limit was due to be increased, tesco contacted stating that they have changed their mind. I WILL PAY THEM OFF SOON AND CLOSE THE ACCOUNT.

STOP OFFERING A LIMIT INCREASE IF YOU ARE GOING TO CHANGE YOUR MIND.

Honestly, this is the most useless credit card I have ever had. I change cards every few months and generally run about 3 cards at once - always pay in full and have a maximum credit rating with the credit reference agencies. I got the Tesco card about a month or two ago, with a £10.5k limit, and have so far only had two transactions accepted totalling around £10. It declines a good 75 per cent of transactions. It's just nuts, no reason given. No problems like this with any other card. It's going in the bin, absolutely useless. No need to cut it up, if someone nicks it from the bin I doubt they'd be able to spend anything!

Want to ruin your credit score? Try to apply for Tesco Bank Credit Card!
This company enjoys luring customers and ruining their credit score!!! Nasty people!

I've checked 3 different money transfer credit cards: VirginMoney, TescoBank and MBNA. Wanted to find the best deal for me ...
So I've passed Virgin eligibility check and applied for their Credit Card. But they're not very quick to decide (got email from them saying that it'll take 5 business days).
So, I've also passed MBNA eligibility check (but didn't apply straight away) and went to see at Tesco. After eligibility check TescoBank said I've 95% of chance of being approved.
So I've applied and to my shock - I've failed! Even though I've put exactly the same data as before. Exactly same data which NatWest approved and gave me their Credit Card a few months earlier.
I went back to MBNA and the session was timed out. So just repeated the whole process and now to even more shock - suddenly I cannot pass the eligibility check for MBNA Credit Card (even though it was OK just a half an hour earlier!).

Tesco Bank not only did not give me Credit Card but it also damaged my credit score so other companies not gonna give me any credit cards.
VirginMoney haven't replied yet ... but now I'm pretty sure the outcome is gonna be the same.

One might say I was just unlucky ... but I know other two people at least who after Tesco's eligibility check had the same "95% of chance of approval" but later were denied the credit card.

Why you doing this, you nasty people??? If you don't wanna do business it's fine! But why luring people with false promises (like 95% of chance) and then damaging their reputations?

If it was 20% (like Salisbury said straight away) I wouldn't try.
I would not risk even if you said 50-70%. But 95%? And I know at least two people who got exactly same result (too bad I didn't ask them before).

Obviously it's not 95% - it's just nasty lazy way of not doing proper evaluation for pre-check and luring customers on false promise even though it leaves them later in trouble.

Tesco Mastercard have allowed an online order to go through with Sports Direct despite both the invoice/billing address and delivery address not matching my current address. There was no query or one time passcode as is usual.

The address registered with Sports Direct was an old address from two years ago. Unfortunately Sports Direct have a policy of non-communication, non-amendment and non-cancellation after an order has been placed. My order will now go to an address where I do not live and I am unlikely to ever see my items ever again.

I had thought Tesco Mastercard's fraud protection should be robust enough to prevent a payment from going through where address details do not match!!!!

When I rang Tesco customer service to ask why the transaction went through as I thought billing addresses had to match my current address they said it was not a requirement!!!!

I had thought my credit card came with robust fraud protection but appears anyone could steal my card and go on a spending spree with a totally different address and Tesco feel there is no issue with this!!

Does anyone know how to get hold of gerry mallon CEO of Tesco bank. I've emailed him with no acknowledgment. Managers in the call centre don't call me back i need to speak to someone in authority as someone needs to be held accountable for the absolute diabolical customer service that i have received it's disgusting nobody gives a damn

I sent a form requesting cancellation of my credit card account which is in credit to the sum of £7.64.
After sending two more emails asking for confirmation that my form had been received, I have still heard nothing. I have spent so much time trying to get through on the telephone and on my last try was cut off after waiting 16 minutes.

This is NOT GOOD ENOUGH.

I want to close my account and receive money owing to me but I am getting absolutely nowhere.

I spoke to customer services as I couldn’t fill out an online form and they spent 40 minutes guiding me through everything. It was 3 months after I had made a purchase which I didn’t receive and they explained the process and dealt with everything with the utmost efficiency. They really were so helpful and I would recommend anyone purchasing high price items & services to put them on your credit card. 100% peace of mind

I applied for a Tesco credit card, got a message that I am approved but needs some further information or so and they will get back to me after 5 working days. It's been more than month now and I haven't heard back from them or got any communication from them. This is absolutely terrible service.

Medium customer service.
Could have done better 🤷‍♂️

They own me money after I pay what they ask for to clear my Tesco credit card them found out they have not updated my payment amount for October and I pay over the adds customers service are not interested in help me to refund me

Very helpful staff sorted my issue with a balance transfer

I transferred a balance at the 0% rate, 2 months later I noticed I was being charged interest so I spent an eternity on the phone to confirm Tesco had made a mistake; the interest charges would be refunded and I could continue at the 0% rate.
My new statement shows I am still paying interest and no refund has been made.
I have just spent another 45 minutes trying to get through, to no avail, so I will just have to pay the 3 months' interest and transfer the balance to another card.
I will only use the cards for the points from now on, this was a very simple problem to resolve.

Rude staff no customer service skills. I have cut my card up AVOID at all costs.

I am a client of Tesco Credit Card with a joint account & yesterday my wife's iphone was hacked with all her personal information on from bank account numbers, cvv numbers on her notes to pictures and passwords. They managed to proceed to make a purchase on her Credit Card with a company called Wise of an amount of £735. Straight after this has happened I tried calling the Tesco credit card fraud department and they could not help me at all. I spent an hour and half to get through to be told that there's no one to speak to at fraud department and I phoned an hour later also to be told that there's no one that could help me. I spent nearly 3 hours on the phone only to be told that they cannot help me and their fraud department is closed over the weekend. She has in the meantime spoken to a guy named Alry from Wise and she flagged 4 fraudulent activities. She managed to stop 2 of them, but the £735 amount she could not stop. This guy assured her that they would help and when she phoned this morning, their fraud department was closed as well. She has obtained an Action Fraud crime ref nr NFRC220905427545. Regardless of how people scam you or get hold of your details. We are the client and if we acknowledge suspicious activity on our account, Tesco bank should act on our behalf. With crime that has gone rampant, clients need to feel safe and their needs looked after. It feels the bank is more for the merchant than the client

Recent card application approved, however first and only transaction of £2 causes card to be blocked ?

Still going back and forth in lengthy phone queues, repeating the same information, over and over again.

Latest demand by 'Card Security' is that I submit 'certified-copies' of photo-id, proof of address & income statements. This means that only a professional individual (one they consider a worthy profession) is allowed to certify my page copies, all other types will NOT be accepted and at my time & expense. Upon which, Tesco will further 'consider' keeping me as a 'valued-customer' or terminate the account ?

THE MOST STUPID DEMAND is for my income (bank statements) which '..should not be printed from the internet.' So W-T-F am I supposed to do when all my statements are in PDF format, delivered online !!

Tesco Banks 'Every Little, Help..' has certainly made my pain & anger to grow since getting enrolled for a card. Just ABSOLUTE MORONS - Stick to providing second-rate groceries !

Are you really serious about signing up to these fools ? .. then you're the fool - YOU DESERVE EVERYTHING YOU'RE ABOUT TO BE PUT THROUGH !
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Come on Tesco this isn't good enough. Vast waiting time when phoning about a recurring payment scam and just no end of waiting on the phone for customer service. Just put the phone down after one hour ten minutes and then similar this morning.This has coloured my opinion of a company that I regularly shop with - so that I now will consider cancelling my card and switching allegiances. What else can you do?

Tesco had a generous 0% balance transfer offer, so I got the card. I transferred the balance paying attention to what Tesco told me was the maximum amount I could transfer, other lenders are very good at working this out, but not Tesco. When the transfer fee had been applied, I had exceeded my credit limit and was charged £12.00, credit reference agencies were alerted by Tesco, this reduced my credit score by 133 points. thanks