Tesco Credit-card 

Made two purchases online to UK companies, Ryanair and Jet Two, on their UK websites, the prices quoted were in pounds, I paid in pounds, but was then charged in dollars and Euros by the companies. This was only apparent when I received my Tesco statement. Tesco charged me a foreign exchange charge which I queried, only to be told that I should try to recover the charges Tesco made from the companies involved. I asked how can I ask them to repay charges that they were not responsible for. I also told Tescos that they could ascertain that the companies involve quoted in pounds, so customers would be unaware that their purchases incurred foreign exchange charges and that the charges should be waivered by Tesco. The sums involved were minor but Tesco refused to rescind their charges. So after 20 plus years of being a customer I have terminated my account with Tesco and as a point of principle will never again do business with Tesco.

Tesco stopped my card 3 weeks ago and still not working today.
Still not had any explanation or appologies.Very poor business!
I have had my card for 18 years with them .

I got accepted for a new card back in November and never once received a card or pin. I contacted them in live chat and explained i am Deaf i cannot use a phone and requested other means of contact. I decided to click the I lost the card button. So the new process began. account changed with new card number. card changed on my credit reports yet STILL no card or pin ever delivered. SO back to live chat i went were they connected me with a Secure chat and i thought Fantastic. So now in Secure chat They confirmed all my personal details and at the very end he goes.. yes you should have got your card in 5-7 days I am sorry about that.. Just give us a call and we will sort it for you...... So Forget it.. So began the adventure of Closing the account and just taking the damage on my credit score for there mess that has Literally been 100% negative impact on my life. Its now 5 months due to being unable to close account as despite constantly sending there own close form they STILL want me to do it on the phone.

I have tried in the past to reset my pin. They have to do it send a reminder in the post and then you have to reset at a certain ATM. Tried and it wouldn’t let me. Left if for a while then one Saturday rang to speak to someone to reset again. Couldn’t get the option to speak to anyone bet think I know with the option I picked a pin reminder was on its way out to me. I filled in a complaint for and the response is shocking, no help whatsoever and like all the other reviews I’ve read they turn it onto you as if you’ve done something wrong. I only what to use my card and PIN number, how hard should it be? Why can’t you reset in the app like other companies? Well Tesco keep your hard to use and deal with credit card I don’t need you and will take my custom elsewhere.

I applied for a tesco credit card so I could use it to improve my credit rating. In the end I was accepted and signed the contract. After signed the contract, I got a message stated that they will contact for further information. The next day, I got a text message saying I should contact tesco on a number provided. When I rang the number I was taken through security successfully. Then I was told to reapply because my experian credit score account was locked and I should remove the lock and reapply. Did it, and was refused the credit card. When at first they used transunion to approve me. So, that left two searches on my credit report by tesco credit card. I find it ridiculous that the card is to improve my credit rating and yet still they turned me down at second application. Why they didn't continue the approval with transunion. Its one of the worse credit card company. I did not go through this with other credit card company. I am gutted they left two searches on my credit file and I didn't get the card. Not good!

I'm a long-standing Tesco customer and have found Tescobank credit card to suit me best for many years.

However, with one missed payment due to a genuine oversight my account was suspended with no notice, leaving me to think that something more sinister had occurred!

35 minutes wait to speak to an abrupt customer "service" assistant who told me that the account would be restored when they get round to it, I will be charged a late payment fee, my next monthly payment will be doubled, my credit file will be affected and, by the way, other lenders may contact you about your ability to pay!

Tesco records will show a substantial payment of the account in every month for some 20 years or so with no default, yet the assistant still saw fit to ask questions in a less than helpful way about employment status, ability to pay and whether I'd done this with any of my other accounts.

God help those who are in genuine need and look to automatons like this for help - it is not existent! Every little helps when you get a response like this to take your business elsewhere. Buyer beware.

The worst credit card company out there, long call waiting times at customer services, just passed backwards and forward with no help to resolve issues and they do have a lot, just stopped transactions on my card for no reason and didn't bother telling me!!

DO NOT GET A TESCO CREDIT CARD

Life in tail spin asked for help, knife twisted let's just say Samaritan geat guys

It is quite astonishing how this company is getting away with this.

I took out this card with it being sold to me as having a balance transfer and money transfer option

I set up a membership fee on the card that was a reoccurring payment. I paid off this fee every month. After a few months of having the card I attempted to use its balance transfer feature. This was rejected. I was not too concerned over this and just used another card. A few weeks later I received an email from the company I was paying a membership to using the card saying that they are sorry I had cancelled my membership.

I had received zero contact from Tesco bank. I called to see what was going on.

I was told that my card may have been CANCELLED as I had attempted to use the balance transfer option on the card. A bizarre reason to me as this was a feature of the card.

As I say I had not been informed of anything. The lady on the call said this might be the reason but the department that could give me an answer was very busy and needed to give me a call back. I was told this would be the next day. 3 days later I had not received a call.

I called back. I was told that the department that could supply me with any information was still very busy and that they would be emailed to mark me as URGENT. I was told I would be contacted.

7 days later I had not received a call. So I called yet again.

Guess what? The department that could help me was still 'Very busy' they would be contacted and told my call was 'VERY URGENT'

That call was 3 weeks ago. I still have not received a call or any information as to why I can not use the card.

I have not got the energy to call them back again to ring a company that has the feel of being ran by a couple of incompetent people in a grotty kitchen.

Tesco credit card are an embarassment of a business.

I arranged for a balance transfer for 20 months interest free. Tesco didn’t do the balance transfer just sent the card. They started charging me interest on my interest free card so I called and complained, apparently it’s all my fault? They are saying I didn’t transfer the balance within 56 days that’s why I have been charged interest, no apology and it’s taken 10 days, 2 phone calls and an email to try and resolve. They eventually sent me an email saying they have not upheld my complaint and refuse to refund all the interest charged.

I have paid off the balance and will close my account.

Avoid them at all costs. the customer service is poor and the staff are rude with a whatever attitude.

I recently was hacked and a significant amount of money was taken out. I spoke with a lady called sinead, based in Glasgow. she was very calming and professional and had empathy to my situation. Her customer service was outstanding and reassuring. Thank you sinead you lowered my blood pressure

I changed my auto payment on the app from £100 to pay the entire card off each month. They charged me for late payment. It took 35 mins to answer and 25 mins to resolve. They returned the late payment fee and interest charged. They said that it was my oversight. All I did was change the amount on the app to be collected and there was no warning that it would stop the next payment. Ironically, the DD was still set up and changed to take the full payment. Their system does not work. Also, they put a block on my card, which will only be taken off in a further 48-72 hrs.

Other providers may be similar, but Tesco needs to acknowledge their mistakes and make improvements.

Very interesting comments about the state of service of late . Rung twice as card declined for small amounts they said its a security blip they state flippantly " oh i will just adjust the security strip " and will reinstate card never an apology for their error for spending your time chasing their card issues i am changing company as they have lost my trust and they have no respect for their customers. They need a new customer service team immediately reading all these .

Just a few days after receiving my card, and making four transactions, Tesco blocked it. I've since spent the past week trying to unblock it. Every single day I call, pass security, confirm the transaction was me.... yet, I'm still blocked as apparently I'm in a queue to be called back to re-re-re-reconfirm it's me. That queue has lasted six days so far. I'm therefore now behind with bills and I'm completely stressed out. Absolute stupidity.

We have had a Tesco Credit Card for about 15 years, always pay in full and chose this card as we shop in Tesco’s and accrue points. We were sent a new card, cut up the old one, went shopping at Tesco, spent about £70, used the new card and the payment was declined. We rang Tesco customer service the next day and were told that they had accidentally re issued the same card as the old one and that’s why it wasn’t working. He organised getting a new one delivered which would take a week. I then fished out the cut up credit card from the bin snd discovered that it did have a different number to the old one so had been given duff information!! It is very inconvenient to be without a working card as we use the card to pay for everything, then pay off the balance when we get paid. The new card arrived, I updated my details on eBay and it said the card was not recognised. We rang Tesco again who said they could see that the card had been declined but did not know why!!!!!! The customer service is appalling. We are waiting for someone to call us back snd we’re promised this would be first thing today!! Rang again 5 mins ago snd now told it will be 48 hours before callback. I cannot believe they have declined our credit card for absolutely no reason but won’t tell us why!! Absolutely fuming!!
Update 5March. Still no further forward. Although the people at the call centre are very pleasant they are not trained enough to answer the question as to why there is a problem with our card. Apparently someone in the technical team are looking into it. They never offer this information we have to call them which is time consuming. I have never know anything like it!! Waiting for a call back tomorrow!!

I'm angry!
Every month we pay our balance off in full, as we do with all of our credit cards. My wife made a mistake and used the Tesco credit card to buy some currency for a holiday. Yes, our mistake and I expected a charge that month. What's annoyed me is that we're still paying interest on it three months later, even though it was all paid off. Not happy at all!
Please note. I only post negative reviews on TP as there are too many Fake positive reviews TP allow through.

Never received a replacement card so requested new one. Never arrived so gave them a call. Account put on stop because of 1 late payment in April 21 (honestly, just 1) no letters or communications by email. Man I spoke to basically called me a liar when I said I had not received a letter in June 21. I would not have asked them for a replacement card if I had known. Made me feel stupid to be honest.

Be very weary of Tesco credit card. I’m almost certain that they have robbed me of £100. My balance was not moving although I was making payments. Thankfully I haven’t had the card that long so I could calculated every payment made against every purchase made and there was a deficit of £100. Customer service was less than useless and don’t get me started on the app. It’s the slowest app I’ve ever used. Stay well clear…

Have had a credit card with Tesco Bank for a long time, but recently they have started blocking my account when they feel like it and for no apparent reason (my balance is always paid off every month and I never go anywhere even close to my credit limit). They dont even inform me that its been blocked, so when I try to use it it just gets declined, which at best is embarassing but the other day caused me to miss out on concert tickets as it got declined! When I phoned them they said 'oh yes I can see your card is blocked' but couldn't tell me why! I will be getting a different card now as fed up with it.