Tesco Credit-card 

Numerous attempts to contact this useless organisation to register my new credit card as the security details needed to do this via the app not possible. Ridiculously long waiting times on the hone with the usual excuses for total lack of service. I have sent the card back having never used it and highly unlikely that I ever could given the difficulties experienced in just trying to register this. Even the simplest tasks made impossible by Tesco website, clearly all designed to prevent any contact being made. I would strongly advise anyone to avoid the rotten company as I am sure that they could not organise a chimps tea party.

Very good customer service and Best card I ever used.

I have been struggling to make a payment via the app for a couple of weeks. I called customer services and they said they were not aware of any issues and took the payment over the phone. I tried to make another payment today but the same issue when authorising. I find using the app is much more convenient than having to call every time. Please fix this bug

Been a cardholder for about fifteen years, and mostly no problems. Since the pandemic, I've had grocery deliveries from Tesco, which are paid from my Tesco credit card. Again, mostly ok.
BUT my credit card expires at the end of this month, and when paying for my food orders, a message tells me to use another card to pay for deliveries due after 31 May.
Here we are, a week into May, and no replacement card. I spoke to customer care, who advised the new card is issued the last week in May. Not much help! However, they have forced the issue of a new card early, and I hope to receive it within about a week. I may lose a couple of shopping slots through the lack of joined-up thinking, or try another card, then change it again when the new card arrives.
Did I request all this palaver?
How come other card issuers send replacement cards about a month ahead?
Perhaps the Tesco cc isn't for me after all.

I have been a Tesco Credit card customer for over 25 yrs, I clear my account in full every month yet today I was charged an extra £64.20 on my account for making a purchase of Travel money from a company online who said I would only be charged an extra 0.299% for using a credit card. When phoned to speak to Tesco about this extra charge they said it was due to the way the other company process their claims. “Sarah” advised that she would have this charge removed, went to put me on hold then cut me off. I phoned back to get “Charlotte” who refused to remove this fee and did they would only do so if the money was paid in full. To which I said I have the money in my account I can pay the cost of the travel money off the account today and only used this service as I thought it would be the safest option. “Charlotte” still refuses to remove this charge and said this would need to be done via the company I purchased the money through. Said it was “impossible for them to credit this”. Now as I work in a building society myself I know this is a blatant lie. I will not be using Tesco Credit Card again as they have zero loyalty to loyal long term customers. No wonder they are no longer a “bank”.

Edited:- I took this to the complaints department who were far more useful. Getting through to them was a bit of a hassle but they responded to say they would remove this charge and even offered £50 credit for the inconvenience. Just a shame the customer services dept weren’t as helpful.

I have been a Tesco credit card holder for about thirty years and in the main things have gone reasonably well.
Last month I made a clerical error in that I set up my payment up for 8th April when it should have been the 7th. As a consequence I incurred nearly £20 worth of charges. As a loyal customer I thought I would contact customer sevice to see if they could either cancel or reduce the charges.
Absolutely no chance. A young woman with a distinct sense of humour deficiency rejected my request very officiously and unsympathetically. She offered no advice on how to avoid this situation and did not ask if the charges would cause me financial difficulty.
I concede that it was my mistake that caused the situation but if loyal customers are treated with such contempt I fear for anyone else.
Well goodbye Tesco Mastercard I will attempt to find a credit card provider who actually values loyalty.

Don't understand all the negative reviews here! Been trying to increase my credit score after a rough few years, applied October 2021, card received a week later, have had 2 credit limit increases since, pay on their app no problem with my debit card each month. Statements are clear and easy to view and understand. Thank you Tesco!

I have had months of IT problems when trying to pay. Tesco Credit cards blame my Bank!!! Bank blame Tesco Cedit cards. Tesco Credit Cards keep changin their online payment method but every method I use fails. I now have to call to make an automated payment...Tesco credit cards sugested I use an account ans sort code method to pay.. oh dear all the money they have spent on on their update internet payments in the last 12 months and they have all failed. There is also the embarrasment of rejected credit card payments if their systems fail. I have been with Tesco Credit Cards about 20 years and in the last 12 months I have had too many problems

I'm changing cards after years as NO other firms do this.
When I try to make payments, its declined most of the time. This has resulted in lost holiday payments, chance to buy a one off item and now my Facebook business account is suspended, I've had to send in ID as they think its suspicious my credit card was declined by Tesco.
Ive had enough. This has been going on for years. It is so frustrating and caused so mych grief.

They have now fixed the issue with 2FA. Neither Lloyds or Tesco Bank would take ownership of the issue. 2FA is a complete nightmare, it has just been hacked up between banks and doesn't work half the time.

Careful they take your money even if you don’t have it and you tell them you are going to kill yourself and when they put you in A&E add you enter an involuntary IFA they take it again!
Don’t use unless you are happy to be scammed, very irresponsible lender!

I was on a monthly paper bill and thought going paperless was the way to go. However by going paperless my "credit card" (mastercard) by the way purchases were accumulated to the online account was made into a "debit" card as the monthly payment cut-off day was ignored. Because of this I went over my spending limit, was penalised for doing that and it destroyed my credit rating. Will not use this card again. Lidl is a lot cheaper anyway!

Don’t bother trust me these people will destroy your credit rating
I applied for a credit card done an eligibility check then when it said yes you will be accepted I then went on there website and filled in the application
Then I was then informed of my credit 4 days later I received a text stating they are working on getting me a decision
I rang them up immediately wanting to know what’s going on that I’ve been accepted only to be told they have not made a decision yet that I could be turned down if I would of known what these people are like I wouldn’t of bothered as now if refused my credit rating is going to hit the pan as other lenders are going to look and think I’m unsuitable
Thanks tesco

Spoke to Tesco to change the monthly payment date for my credit card from end-of-month to mid-month because it suits our income pattern better. Could not offer me a new date that was much different. Why should that be ? Will probably be easier to close the account and apply for a new account with a different provider who can offer a more convenient date. Been a Tesco credit card holder for at least 30 years - why such inflexibility ?

i lost 12 point on my credi report for due late payment plus i pay 12£ ON for fee on they applicationfor later payment plus reduce me 500£ on avaiblty on credit limit .
my mean its why don t let introcuce direct debit
to help avoid that thanks

Worst decision I made was applying for a credit card with these guys, I haven’t even received it yet but should have looked at these terrible reviews. These guys are just good at selling groceries, I wouldn’t trust them with credit cards. They’ve got an extremely slow customer service department. It’s been four weeks and I have still not been told if I’ve been accepted or not. I should have gone with a different company please stay away from these lot don’t make the mistake I did. Read the thousands of very bad reviews below, they are genuine! You have been warned

I had Viator tell me that due to covid an event was severely impacted and as the U.K. would not allow us to fly I asked to transfer the date which was agreed by both parties as the best solution but when it came to booking the event Viator 30 times over nearly 2 years just sent emails saying we have sent our request to the event organiser. After 30 emails and replies which I have kept I asked Tesco credit card to challenge this payment but they asked for every detail and then themselves never responded at all. I call them to ask what the process was and the lady was unsure how it worked but said they should have got back to me. The have just started the process again where I have to submit more details and terms and conditions even though Aviator have broke the TCs. I can tell they are not interested even though I have banked white them for nearly 20 years and never challenged a transaction. Shocking customer care for Reference 57873195 if you want to respond but you will only ask for more details even though I have sent you at least 10 documents already.

Quite a lot of bad points with Tesco Credit cards.
1st - You cant see your 0% duration when you get your card, they hide this infomation from you, where as Virgin put it on the top of the letter, Tesco dont give it you, i think you need to apply for the infomation sepperatly somehow ?
2nd - making payments to them is difficult, i had to wait till the first month was due and received a threat text before it would accept money from my debit account.
3rd - Threttening texts passive aggressive remarks saying you will incure charges if you go over this or that. poor infomation structure

Had a letter from Tesco mastercard,saying use your credit card or it will be cancelled,as i had not used it for a while,so I decided i better use it and ordered some currency for my upcoming holiday to the usa ,from the post office,total ordered was £2000,when i checked the balance it was exactly what I paid for currency.Then 2 days later had charge for £80 saying cash transaction,which i did not recognise,so rang customer service,and explained that i had not made any cash transactions,they said that was what they charge,disgusting £80,I would of just ordered with my debit card if i knew these extortionate fees,absolutely disgraceful,and the would not waiver fee.So paid in full and have now cancelled card and two phone contracts which i had with Tesco.My advice to anybody is say well clear from Tesco credit cards,it’s actually put me off shopping with them all together,somebody needs to put a stop to this!!!!!!!!!!

Not sure whether they are incompetent or spineless. Asked them to step in for a charge back for flights that the airline won't refund even though it was cancelled jn 2020 due to covid,the airline didn't issue a voucher. Tesco took 8 weeks to 'look into it' and denied a charge back because of a voucher, there has never been a voucher! I used a credit card for protection and they failed and are utter useless. My reference claim number is 55130001 if you want to contact and change the decision, believe me I'll be ringing on Monday.