Tesco Credit-card 

I applied for a low APR 9.9% Credit Card with Tesco after soft searching and seeing I had a 90% chance of being successful of getting the card. Upon applying online, I was given what would be my credit limit and my APR, those being £4300 & 16.9%.
I filled in my balance transfer requests, and registered my online log in details.
Then after submitting I had no confirmation of my application or whether it had been successful etc. I assumed myself that I had been accepted seeing as after all, I have been told my credit limit, my APR rates etc. Then filled in my log in credentials etc.
But days went by with no notification until maybe 2 weeks after, a text message appeared notifying me that Tesco Bank had received my application & that they are trying to get my application approved & to wait to see if they need further information.
Days surpassed and no further news, until maybe a week or so later I received the same text message telling me they are getting me a decision but they've had many applications lately.

Then the fun & games started.
After around 3 weeks of applying, I had a missed call from Tesco, of which I returned the call, and was told that my application is with another department & at the moment they are looking at my application, ok then.

Then I had another missed call, and upon returning the call, I was cut off.
Next day I returned the call, there systems were playing up, so couldn't get any update.

Called again the following week and was told again that my application is with another department but they are not answering so to please call back in a few days.

Then I called and was told I would get a decision within 48hrs.

Then I recieved another text message asking to call them and discuss my application.
I called, and was asked to send in 3 months of bank statements.
I had to wait 3 days for a letter so that once I recieved it, then I could send out the statements in a prepaid envelope.

Statements posted, and it's now a waiting game until I hopefully get confirmation that they have recieved them.

I hear nothing for another week, and feel to call and get it confirmed that they have indeed received my statements.
I call, and get no confirmation of receipt of my statements, asked to call in a few days so that it gives more time for them to be received.

I call 3 days later and I am told that my application is with another department & I am now waiting to speak to someone in that department in Glasgow.
I speak to someone & I'm told nothing about these statements I've sent, just that they are looking at my application & to wait for a decision.

So I wait AGAIN.

A few days went by, and I recieved a text message saying that Tesco would like me to call and discuss my application.
So, AGAIN, I call to discuss my application.
This time, I am asked some questions of which I answer & then I'm told a decision will be made within 48hrs.

Days go by, and I get a missed call from a 0141 number in Tesco, of which I call back, and I'm being asked questions that relate to my credit profile. I answer questions like, How many credit cards do you have? What is your credit limit, what is your current balance etc. To verify it's me. I answer all their questions and I'm told I'll get a decision in 48hrs.

So I wait again.

I then 2 days later, I recieved a further text message asking me to call again to discuss my application as a query had risen.
So I called & spoke to a gentleman in Glasgow who told me that my application looks to be 'approved' as from what he could see on his screen 'They seem happy', so from that, I was pleased it was all over with and looking forward to actually now being able to receive the card and run the account as applied for at last. Phone put down.

A few days went by again, then I receive a text message telling me to call to discuss my application as a query had arisen.
I called the glasgow no. And spoke with a young lady who wanted to ask me my income ? I had just sent in 3 months worth of bank statements and I'm now being asked my income! I stayed calm told the lady my income without showing any frustration, waited on hold for a minute, and she told me she put in my income and the application has been declined!

If I could swear & laugh on here I would.
DECLINED

WOW! After about a month or so of waiting, phoning, sending, speaking several times on the phone I get a decline on a application where initially I was told my credit limit and APR, filled in my online access, then month later was told 'They are happy' and it looks like it's approved, to then a DECLINE 😂

I cannot echo enough the old fashioned methods that Tesco use, and that they (Tesco Bank) are nowhere near today's other credit card providers & competitors, with others swiftness & smoothness when it comes to acceptance & acknowledgement of your approval of your application or declining for that matter.

Tesco Bank are a shambles in comparison.
Terrible intact.

I applied and received my credit card early April 2022 and then late April it was blocked due to my account being flagged for fraud. It was only after I phoned them due to my card being declined that I knew it was blocked. After multiple calls to the customer services centre they would just promise to call back but never did. After 6 weeks I get a phone call saying that my account has been closed due to new information coming to light but they cannot tell me what this reason is. Overall terrible experience would absolutely not recommend.

Credit cards are a joke.
I've had a tesco credit card for nearly 5 years never had a limit increase!!!. I've got a barclays card that I've had 3 limit increases on in 2 years. Tescos tells me Im at the max for my income? Funny I know people on alot less than me with alot higher limit. I've never been late or missed payments my credit file it top notch What a load of tosh. I've just applied for a mortgage and got it. How can a company try to blag people with you're on the max credit limit??. My credit file is telling me to up my limits so I don't harm my score and Tescos tells me that. I don't need the money but I don't want to harm my credit score. Outrageous been a customer nearly 5 years and no limit increases not a blemish on my account. Don't get this hassle with barclays!!!

New Tesco credit card user. Got my card a fortnight ago. Still waiting for my call back from company as card was activated via banking app...but this has somehow failed and card keeps being declined. Called numerous times now and still waiting on their "call back" to help resolve my issue. Just glad I've not needed this card for emergencies. So, overall, experience with Tesco credit card so far... S***e

Excellent service. I realised that I had been scammed, rang customer service and they were really helpful. Got straight through and the guy cancelled my card straight away and ordered me a new card. Very impressed with their help and ease of getting the right information.

Have had a Tesco credit card for few years and never had any problems, would certainly recommend

Terrible service, they really can't be bothered to speak to customers, just a lot ot automated systems telling you 'they value you' which just seems a joke.

I have excellent credit score . After two telephone interview, after stealing all my info they declined the offer ! I am sure they made business with scammers by using my data , as i am receiving plenty of weird call and mail .

Same problem as the previous CC reviewer . We’ve been a Tesco CC customer around 20 years (average monthly spending >1.5k), fully paying by DD always. Card gets blocked while paying for a restaurant bill. 4 phone calls over the next 2.5 weeks to Tesco. We’ll put your case on priority is the stock answer. Nearly 3 weeks later someone finally calls to confirm details and then say that they’ll unblock it. No explanation or apologies. Good thing we have 2 other CCs. Thank you Tesco….your CC is now the reserve card and used only for collecting club points. Total Spend on this card for next 12 months will less than £100. If I treat my customers this way, I would be out of business and out of a job. I wonder how much bonuses Tesco CC managers and directors receive?

I had to make a claim in January for flights that were cancelled. An absolutely appalling experience they are incompetent at best. Many calls, emails providing requested details having to chase them up every week and still no further forward. The airline cancelled the flight I provided the details open and shut case in terms of what is required for the credit card guarantee scheme. But not with tesco. I'll be moving to a reputable company once this saga is over. Don't get a tesco credit card.

Pathetic customer service. Been a customer for years. My card is blocked due to fraud issue been waiting over 7 days for someone to call me as I need a new card. Over 7 days later I call everyday and I get told someone will call put on hold then told sorry no-one available. They will put in a urgent request....nothing. How can a company take over 7 days to call you ?

Have had my credit card for 4 years, last year I had a letter saying they'd carried out a review and even though my salary had hugely increased and my credit rating had improved they decided to lower my credit limit by £300 and this had to be paid straight away with no warning otherwise I'd be over my limit and it would impact my credit rating. This year I've had another review and they have halved my limit and I have had no warning to pay this off! I have never had this before, to do this to someone with no warning and for payment to made immediately it has put me in debt to pay this off.
Very disappointed by Tesco, avoid this credit card.

Tesco credit card accepted me and gave me a not bad balance.. I have the privilege of using the card and I thank them very much.. the app is good too. I will not let them down on paying.. thanks.

Don't bother getting a Tesco credit card. They are useless.

For some unknown reason, the security software that is in place (presumably a combination of Tesco Bank and Mastercard) which sends the cardowner a message with the necessary digits to confirm identity when making an online payment hasn't worked for me for the last 2 days. Whether I use my PC or my wife's macbook, whether I opt for mobile or landline, no message arrives. Tesco's helpline staff procedures are insufficient and the staff appear unconcerned about finding a fix in order that I don't miss payment deadlines for 2 increasingly urgent payments. If I'm the only customer impacted, I wonder how & why? The security software has worked before. Anybody else facing the same issue? Was it resolved? Don't want to find another credit card provider but, on this occasion, Tesco Bank's response leaves me underwhelmed.

I have held a Tesco Credit Card for many years and never had a problem. My current card expires at the end of June 2022. I tried to book hotel today for July but I was unable to as the intended date of stay goes beyond the end of June. In previous years I have always received renewal card the month before current one expires. I have just phoned Tesco Credit Card to ask why I have not received my card.
‘ They are being issued tomorrow and will take 5-7 days to arrive’.
I asked for the reason why cards are so delayed this year.
‘I have no idea’ was the reply.
Along with half the population, are these people working from home with less motivation than before?
Whatever the reason, this is another aspect of life which has gone downhill.
We can’t blame Covid forever.
Do you think next year you can get the credit cards out in good time please?

Been a loyal customer of Tesco’s credit card for years despite my card being blocked for no good reason a number of times. Once was just because I was in France and they thought that was suspicious. Last night though was the final straw as I had found an excellent deal on a laptop but when I went to pay the payment was declined. Then found out when I phoned the customer service line to ask why the payment was declined, that my card/account was also now locked but the operator said he did not know why. Other than it could be the price of the laptop I was trying to buy (although this was not excessive) and he was unable to unlock the card and I would need to speak to the security department in the morning as they only worked regular office hours. I phoned in the morning and was told the security department would phone me to presumably unlock my account after I answered some security questions. I waited for several hours expecting a call but as no call was forthcoming I phoned the customer service number again. The operator I spoke too again said I would need to speak to the security team to unlock the card, but also told me it could be up to 7 days before they called me as they where so busy. This was the final straw for me as not only had I lost by now the excellent deal on the laptop I had found which had returned to its normal price several hundred pounds higher. I also face the prospect of having no credit card for up to 7 days. I have therefore this evening applied for an alternative card and will be cutting up the Tesco card and closing my account when that arrives. I expect this will be before the Tesco’s security team calls me.

Appalling customer service, don't use them ever Tesco name which is really royal bank of Scotland. Constantly block credit cards for no reason and then you get caught in catch 22 where you need to speak to security to get the card unblocked and security is too busy to speak to you. On hold for hours and 7 days later I still do not have the situation resolved.

I applied for the Tesco credit card several weeks ago. I was approved for a card. After hearing nothing for a while, i was informed that my card was sent out to address without my house number. They said they would send a new card out to me. I was passed around several people before they actually said they would resolve the matter. Again after several weeks passing by i still have no credit card.
I would like TESCO to apologise and hopefully tell me what is going on.

A total scam outfit just stealing your data… CLUBCARD
A total scam outfit just stealing your personal data. They are offering a PREPAID debit card. Which means you are ZERO security risk because its your OWN money. They lied and said they dont do a credit check to apply. They did a FULL credit check against experian and call credit. BOTH OF WHICH sell on your data as well as if you had applied for a trillion $$$$ loan and so a big black mark goes against you as it was declined and now my private data is readily available to every crook all over the world. Disgusting bunch of crooks.
===================

Tesco Clubcard Pay+ Account Application

Thank you for your recent application unfortunately on this occasion we are unable to offer you a Tesco Clubcard Pay+ Account.

This is because on this occasion your application details did not meet our criteria.

We have performed a credit check at Experian and Call Credit as part of this application. This search will show on your credit file.

How we assess Clubcard Pay+ applications:
•Information you provided to use when you applied
•Information provided to us by credit reference agencies.
•Information provided by fraud prevention databases - CIFAS, Experian and National Hunter Ltd.