Tesco Credit-card 

Have had a joint Tesco Credit Card with my wife for many years. Always pay in full every month and run my account properly.
Have had my card declined again whilst making an online purchase. Have made this same payment several times and is under £150 but was declined despite me answering their fraud prevention text confirming it was me. Tried phoning but was told I would need to wait up to 60 minutes to speak to an advisor. Tried to text my complaint and the system would not take the complaint stating I had failed to complete all the information despite it being complete.
Complained several times before as their fraud prevention measures are shocking and the customer is left in limbo as to why the card has been declined. On a previous occasion I used my card 3 times for minor purchases whilst xmas shopping and they declined my card. Explanation was that I had made 3 purchases in the one day and that it is up to the customer to contact them.
It takes a lot for me me to get annoyed but Tesco has managed it today.
I will be cancelling my card and would strongly advise anyone against taking out a Tesco Credit Card.

Ok where do I start ive been a Tesco credit card member for quite a few months I started with a small limit of £250 I never went over my limit or missed ant payments I ran it flawless. Now I also have a second Tesco credit card which was only opened 2 or 3 months ago with a £2000 limit and 20 months purchase and balance transfer offer . Again ive not used all my credit and even paid over my monthly installments.

I also have a few other credit cards all with various limits and Aprs and I'm kind of person that moves balances over on to lower APR cards nothing wrong with that,again I never go over any limits or miss any payments.

Now with Tesco I received a few letters offering me a credit limit increase this is the £250 limit and on the letter it states that any change of circumstances will result us withdrawing the credit limit increase offer.
I decided to pay off many of my credit card balances as I hate paying intrest I actually never used them then 2 weeks later I get a letter from Tesco saying my circumstances have changed, so it seems that Tesco don't like you paying off your credit card as that is the only reason I can think off as nothing else as changed.
Now I'm not bothered if they increase or decrease as i don't live on my credit cards like some people but would be nice to be recognised that I'm running my account well.

I have had credit cards for many years, I have applied for new cards without any trouble, However, Applying for and setting up a Tesco card has been the worst experience ever, When you receive your card you have to go to an ATM to set up your pin, Other cards allow you to do this online. I have made six calls to customer service and after going to and fro to ATM's, I eventually set up my card and my wife's card, I have used the card on only a few occasions and was shocked to receive an Email today telling me that my card has been cancelled. I rang customer service and was informed that I would have to go through whole application process again. Well no way I am afraid. Tesco has lost two customers! I would say that once you eventually get through to customer service on the whole they are very helpful, But it is clear that they are understaffed and I believe overwhelmed with the numbers of calls they are asked to take. My best advice for anyone thinking of applying for a Tesco card is don't.

Got my new Tesco card and it is still in the dark ages and they don't do contactless payments with a phone!

I've had a tesco credit card for years. 12 grand limit. Used it regularly. Needed help getting £470 back but got no help at all. You're on your own guys..never forget it!

I was accepted for a credit card and whilst signing online to do a balance transfer it timed out so they then sent me a credit agreement paper copy to sign to which I did I now have received an email saying that I have been declined even tho I was told my credit limit of £3500 on a 17month balance transfer 0% . How can you say yes and then say no after a signed credit agreement in a mater of days ???
Absoloutley appalling
I could understand if it was refused straight away but both online and the paper copy of the agreement accepted me 😡

I purchased a pool from Smyths Toys that was faulty neither the retailer or Tesco credit accepted this yet the retailer disposed of the pool. I paid for no goods breaching the consumer rights act. It is a shame the item was not over £100 as all credit companies are liable for 50% of the costs. No matter FOS and trading standards will be contacted.

I wish I could give a zero. Bought a phone that was faulty and company acknowledged this and I returned phone. Company have gone quiet about refund. Sent proof of return to Tesco and they replied to say this was what they needed but we still have to pay 338 for a phone we no longer have? Waiting for customer services to come back to us but bill due in 5 days.
Don’t buy via Onbuy and don’t buy with GWeeks. Will stop using card Tesco card from today!

Poor Customer Service.

No help or consideration.

They show no empathy with customers.

Do not use this company.

It gets beyond a joke when not even Tesco groceries accept online payments from a Tesco credit card!
I used to love this card and used it all the time, saving up the Clubcard points to treat the family. Hardly any online retailers accept this card now so I hardly collect any points at all - I'll be getting rid of it for something that I can actually use!

Worst customer service ever. You cant understand them a word they are saying. They don’t bother giving you a rationale on the most simple questions. Outrageous!

Oh dear.!!! The worst I put one star because I couldn put 0 to write a review. Since the day i received my credit it went all bad. Called everyone to set a direct debit , the customer service said it s done checked my account take a little amount and on the top with interest . It supposed a credit card with 0% interest fee for 1 year and rhey did every single month for the last 5 months. 2 months ago they told me my account has been restored . It didn t . Already did 2 complaints now I am about to contact the FOS it becomes stressful, frustrating I am calling them on my kychbtome where the writings yo answer a phone call is at least 30 min .

Oh Boy - Where do I start? Tesco Credit-card what has happened to you? I had a Tesco c/card for years but had to cancel in Feb 2022 because I was scammed. Having left six months, I've now applied for another as I thought this card was pretty good (until I read the reviews on here!!). I applied on 3rd July and was told the card was being posted. 20th April messaged as the card hadn't been received. Had to repeat details and another card sent out on 20 July. On 21st July was told the credit card was being sent to me............and now 15 days later - still no card!!!
I'm now at the point of saying "don't bother".........AND will be looking at reviews of Tesco Bank too as I have a LOT of money with them..........

Add extra fees on whenever they like and then you call to query and get through to a clueless and sarcastic representative with the attitude of ‘it’s only £2.’ Will be cancelling my account.

Applied for a credit card to get extra points, I spent over £10,000 in 11 months and paid in full each month, admittedly not all at Tesco but my benefit for doing this £7, I will be paying it off and cancelling.

I have been with Tesco for 35 years and have never experienced such bad service. Our card cancelled due to suspected fraud, We informed Tesco our card declined, they have never advised us. We have phoned Tesco every day for a week, NO ONE CAN HELP, the card does not work, they cannot advise why, they cannot advise if we will get new cards. They thought they had us on mute and were talking in derogatory terms. We have submitted formal complaint and wait response however I really dont expect satisfactory answers. I really cannot believe Tesco are this bad. We will be moving to a more professional organisation on resolution.

I have an exemplary track record. Although I have no way of knowing it, my balance allegedly went over the limit. No alert, no communication at all from Tesco, but a £12 fine added to my account.
When I phoned the helpline, they told me that although the running total doesn't show anywhere online or in the statements, I should be able to calculate it myself. Really?
I complained 5 days ago, still waiting to hear from them...

One of the worst credit cards I have ever had! My credit limit was only £250 and I had it for only 3 months.
I never went over the credit limit and the full balance was always paid ontime!
But this company puts a hold on my payments for more than a week and don’t refresh the balance so you can’t even use it till you phone up and request for them to release the payment. The reason they give for the hold is apparently they do fraud checks … doesn’t make sense as I used my own bank debit cards to make legit payments. Either it’s discrimination cos of my Asian name or they are totally messed up and don’t trust their loyal customers. Anyway I made sure I closed down the card. Also they don’t even add any clubcard points onto the card when you shop so it’s all lies! Stay away guys it’s an awful company! When I complained they gaslighted me and dismissed my case. Totally out of order!!

Terrible customer service. The options on the phone were useless. When I eventually managed to get through to som.eone after many dead ends and having to hang up and start again, the person hung up.

Tesco's - Most Unhelpful and hiding behind "T&C's". I had to put a £1000 deposit down to registrar to buy online in an car auction, I was outbid so never brought anything and as normal the auction house deposit transaction was canceled straight after the auction and I got notification from the auction house.
Normally the credit card shows the deposit as Pending for a day and then it drops off the balance, this time a week later its still there reducing my credit available to me.
I Spoke to the auction house to confirm payment had not been taken, then spoke to Tesco's customer care who were adamant that the transaction had not been cancelled and that when it was it could take a further 7 working days to drop off my card balance!!!!
So I went back the the auction house who kindly sent me through all the details on email showing it had been cancelled the same day, so again I went back to Tesco's customer service, I got a different person who was quite blunt in her guidance that even if it had been cancelled there was nothing she would do as the "T&C's" clearly say it can take 10 working days and only after that would Tesco's start to investigate.
So my card balance is reduced by £1000 for up to 2 weeks and Tesco's say nothing I can do to get it removed even though I haven't spent it !!!!
They say that their Customer Service offers "Great Service" in their online reasons for selecting a Tesco's credit card I don't think so !!!!