Tesco Clubcard Credit Card

Put a block on my card for no reason, then it took ages to get it lifted. Horrible customer service. Staff could not care less how much you are inconvenienced.

I took out a Tesco credit card because my credit rating meant it was difficult for me to get a card with other banks.

They gave me a £1000 credit limit, but I was not aware that this is not a hard limit and it will let you go over the £1000 and they will then stick you with a £12 fee even if you only went over by a couple of pounds.

I rang their customer services and was told that this is because Mastercard let big stores charge your card without checking your credit limit. So they were basically passing the buck blaming the stores and Mastercard and that it wasn't their fault so were unwilling to refund the charges.

They don't even offer very much in the way of rewards for using the card, you get 1 clubcard point (worth a penny) for every £8 you spend, and it has to be in one transaction, if you spend £5 in one shop and then £3 in another you get no points at all for these 2 transactions.

Have a perfect credit rating, had not used tesco credit card for 7 months and the direct debit ceased automatically and they did not tell me (all online with my mobile number and email) and they could not mange to inform me. i owed £22 ponds on my cardI and they sent me a Default sum notice for £12, I cancelled both my cards because of this. I had been a customer for over 30 years and never put a foot wrong. The worst service I have ever experienced with a bank in all my life. Anyone out there thinking of using Tesco banking - DON'T! No matter how good you are you will end up with a bed credit rating through no fault of your own.

Very rude customer services agent. I needed to change my DD payment date, which appears to be a complete pain to do and complicated. I told her I didn't really understand and was met with "Well if you just listen" in a rude tone. Phone swiftly put down and current looking to transfer my balance.

I had a £3000 debt on my previous credit card due to unexpected legal matters. I was advised to transfer balance onto an interest free credit card to be able to repay the debt. I received offer from Tesco and was accepted. They charged me £90 fee for the transfer which was a lot of money for me but I thought I would save on the interest. I was shocked when they immediately started charging me interest which is higher than the actual minimum repayment. I thought I was going to get rid of debt and instead I am going downhill. I can not possibly afford to pay their high interest, much higher than the previous bank charged me. I wish I never switched. What shall I do?

Apalled!! I paid off the balance on my tesco clubcard credit card and they are now demanding additional payments despite the balance being zero. Please think twice before you decide to take out a tesco clubcard credit card. Even when your balance is zero they make charges.

I shall never shop there again, and I will tell the "whole world" to choose any other credit card provider than Tesco.

I thought they were an honourable organisation. The reality is "AWFUL!!

I will never shop there again, and I will make sure my entire network, both "business, voluntary organisations, charities and personal contacts" know how they operate!! I did everything right, I spoke with their adviser. I paid off the balance and the person I dealt with was lovely. but now they are charging me £50 on the card I had already cancelled many weeks before!! They are not a nice organisation at all"

I have been with tesco credit card for a long time.. I spend they bill me all good.. But when I have cause to call them I experience the worst customer service ever.. They cancelled my card last Friday..as there was a transaction that I did not recognise.. They immediately cancelled my card and said another would be with me in 8 days.. 11 days on I have not received a card so I called only to be told that a number had been issued but a card not received. They would reissue and I would have to wait another 8 days!! I rely heavily on my card and I told them this when they cancelled. They can not send it out earlier even though they have admitted it is their mistake and if I hadn't called it would never have been realised. I am so angry.. Anyone suggest another card where you actually feel valued and listened to as a customer?

I received my annual review and told they would be INCREASING my interest rates based on my credit score. I was shocked as I've been building my score and it has gone from poor to good. When I phoned to query the increase, it turns out that the increase was nothing to do with my credit score, as their letter states, but because they need to make more money. My score is now good enough to take advantage of a 0% balance transfer so goodbye Tesco! Oh and also they want to charge you to phone them if you have any questions.

Had problems with these guys during the time I was with them. Got them resolved in the end but it is a long drawn out process as you can't email them.

I have read a large amount of negative reviews on here today.. Which I have to disagree with. I applied for a Credit Card with Tesco, the application process was very quick.. I was asked to provide signed proof of address documents which I did, these were accepted and returned to me within 2 days. Which I personally thought was very quick.

I received my pin in the post late last week and am awaiting my credit card now. I cannot comment on what the rest of the experience will be like, however up until now and all of the customer reps I have spoke to have been more than helpful.

As a Tesco Customer Club Card points were a great incentive. Getting points even when not shopping at Tesco seemed a great idea - so we got the Tesco credit card. We do get more points, of course, but the statements are dreadfully formatted - not like MasterCard, Barclaycard or any other I've seen; you're never sure quite where you are.

Through a mis-communication my daughter tried to put university fees on the card - the amount would have exceeded our limit, so they blocked it and stopped the cards. I rang, they explained, I apologised and asked if I'd be penalised - I was told a firm no, because the charge had not applied to the account. Two days later I get the notice of the penalty. I rang 'customer services' - no apology, just, it was a chargeable event so you'll be charged. A little research led me to the Santander 123 card, and the BA cards for Avios points - much better service!