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Tesco Bank: Clubcard Credit Card reviews

Name: Clubcard Credit Card
Rating: 4.14 (317 reviews)

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3.98

Based on 317 reviews, last reviewed 15th Jun 2025

500% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

57%

22%

10%

Latest highest rating:

4

Tesco is hard to beat Never any problems, not a bad word to say Reviewed on: 13th June 2025

Latest lowest rating:

2

Slow very difficult contact when u need help Slow very difficult contact when u need help Reviewed on: 15th June 2025

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About this product

Tesco Bank Clubcard Credit Card reviews (317)

Review of the Tesco Bank, Clubcard Credit Card:

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Absolutely shocking company. I wish I had read these bad reviews years before opening a credit card account with them... Do not even deserve 1 star as others have said. I was in an ongoing complaint about how I had no notification about owing them money. It was a year and 8 months later and I only found out then when there was interest and they had defaulted my account and passed a debt I didn’t know I had onto debt collectors who have been hounding me. After calling Tesco furious and in shock, I was told they tried to send letters to an address I wasn’t at and their process can’t email. How ridiculous that they would let their loyal customers feel like this and put them in a position of financial difficulty. I had to call back several times and was kept waiting and receiving letters from a debt collection service before my complaint had even been resolved!! They did not think to email me on the address held on file in all of that time and instead assumed I was ignoring them, defaulted my account (without me knowing), ruined my credit score and passed my details onto debt collectors! Incompetent staff and managers are none the wiser. I’ve never missed a payment in my life, nor am I irresponsible with my money. The lack of customer empathy and service was disgusting. I expected more from a big company like Tesco. If I had known I had this debt (I paid my last payment and put the credit card to the side - a unauthorised payment came out after without my knowledge) I would have been able to either pay it or query it immediately. However the effort was not made to contact me in an effective way after so long. The call handlers offered no resolution or understanding and I have had to go through a debt company with a damaged credit score because of their lack of service. Did not accept any responsibility or resolve my complaint. As a former employee for a big Successful financial company, I can tell you that this Tesco Bank is extremely poor.. from their policies, to their staff.. Staff need to be trained on people skills, their complaints policies need to be revised and improved and the company needs to read these reviews in order to improve their service otherwise they won’t last long.. Will be taking this to the Ombudsman service and FCA. As a loyal customer, I am absolutely appalled and disgusted by the service I have received today and will never use Tesco Bank again. Reviewed on: 25th June 2020

Great rewards & excellent customer service

I've been with Tesco Bank for many years & their customer service is second to none. I love the rewards scheme especially as you get more points when you shop with Tesco Reviewed on: 15th April 2019

Fantastic customer service.

I have been a customer of tesco bank for car insurance and the clubcard credit card. The customer service i have recieved has been consistently excellent. Nothing is ever to much triuble, wait times are low and staff are very knowledgeable. Reviewed on: 10th February 2019

IF YOU VALUE YOUR SANITY - GO ELSEWHERE, YOU HAVE BEEN WARNED!

I am convinced there is no worse bank on this planet! They switched-off my paper statements, meaning I had to ring them to know how much and when to pay them. They assured me on many occasions that I would not be penalised for what was "their" error. Despite their assurances, I was and still am being penalised for their incompetence!!! Late Payment charges have been applied that I have not paid. They refuse to address the problems, even though I have written to both their previous and their current CEO's, but have notified Credit Reference agencies that "I am a bad payer". I have reported them to Rip Off Britain and Watchdog and am actively considering suing them for professional negligence! Reviewed on: 24th January 2019

Great combo

Save money and points while building credit. Good online banking. Reviewed on: 12th January 2019

Good experience with Tesco

You get Clubcard points for purchases on the card. Online access is good. Reviewed on: 12th January 2019

Nice and easy

Excellent service and easy to manage through the online App. Reviewed on: 17th December 2018

Spendaholic

Fantastic custom happy customer! Every little helps Reviewed on: 16th December 2018

Easy

Easy to use, website is easy to navigate and to understand, customer service is too class Reviewed on: 6th November 2018

Easy to use

I've had a credit card with Tesco Bank for many years now. I find the ease of use and customer service to be excellent and the clubcard points are a bonus! Reviewed on: 21st September 2018

Best credit card ever

I use it every day and love it so I recommend it Reviewed on: 4th August 2018

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