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Review of the Sainsburys Bank, Nectar Credit Card:

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Worst experience ever

Absolute nightmare from the start - no email or letter to confirm application was received, several weeks later I found out they need more information, when I called to give them this they didn't have anyone who could talk to me (loan team person who finally answered said they couldn't talk about credit card applications) they arranged a call back - the call back never happened so I called back a week later. Once again there was a long wait, a person who said they couldn't help and would arrange a call back, I explained the last one had not happened I would prefer to wait. Finally someone was found, I spoke to them was able to give the missing information and was told things would progress. I waited another week with no communication so called again, to be told my application had beed approved and the letter would be in the post. I waited another week, no post and I called to say nothing had arrived, they were surprised and said it should have come out - they would look at it and potentially get it re-issued. A week latter on a Saturday a credit agreement arrived. It was signed and put in the post that weekend, I guess taken in the early monday collection from the post box. The following monday I got an email to say my application had lapsed and I would need to start again - more than 8 weeks from the start of the process I was no further forward and had an extra credit check on my record which impacted my credit score. People on the phone were mostly undertrained and poorly informed, when I called to find out if they really had cancelled my application at first the person thought they hadn't hadn't and then later in the call confirmed they had. When I asked to understand the timelines for when the lapse would have started from they did not have any of the dates available, I was told my application was some time in September and they couldn't tell me when the credit agreement had been issued or when I had been approved. I could not believe that the person who was there to support didn't even have basic information about the application. Just terrible experience Reviewed on: 7th November 2022

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