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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:

Read the reviews on trust pilot

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

Fine until you want to close the account.

Fine until you want to close the account. You can’t do it on the app You can’t do it online You can’t do it over the phone You have to fill in a manual form and email it to them. Download the form Its locked You can’t fill it in using Adobe or anything else so useless if you don’t have a printer which I’m guessing is what they’re counting on. This shouldn’t be allowed, it should be simple to close an account online or over the phone. Skirting around the edges of the FCA regulations Reviewed on: 14th March 2024

Great company. Excellent customer service

Great company. Trusted brand. Very good service on phone Reviewed on: 11th March 2024

I have a great credit card with Tesco Bank and the r...

I have a great credit card with Tesco Bank and the rate for balance transfer was incredible. Reviewed on: 10th February 2024

The worst credit card company I have ever used, they...

The worst credit card company I have ever used, they call themselves a digital bank yet their app is a decade behind every other bank. Their customer service advisors are the worst you can deal with, so rude to the point your shocked at how they speak to you. If you ring more than once youl be advised different answers from different advisors and keep an eye on the interest they charge as they like to charge it when its not actually owed and its always oh sorry its a mistake. Extremely poor will never use again Reviewed on: 19th January 2024

good service ,enjoy using them when you need most.

good service ,enjoy using them when you need most. Reviewed on: 17th January 2024

Great when things go well until you try to use credit card protection for a claim

Having had to pay out substantial funds for long lead time items paying by credit card should offer you protection via charge back or section 75 schemes. My vendor liquidated in the time from payment to expected delivery date so naturally i contacted Tesco Bank to start monies recovery. They actually deliberately employ obstructive people to avoid settling such claims. Not only that but due to the short period of customer access to statement / payments provided by Tesco, i was forced to make a Data Subject Access request under prevailing GDPR legislation to gain access to records held by Tesco, even after they emailed my to confirm they had found several payments amassing to more than my claim value. I have been forced to report their refusal to provide the data requested to the ICO for non-compliance to that legislation and without a break point response from Tesco Bank i cannot get satisfaction through the Financial Ombudsman Service. I now plan to take them to Court to recover the money they owe under Section 75 of The Consumer Credit Act. Of course whilst they’re messing me around i am accusing interest on a debt i don’t have. My advice avoid Tesco Bank entirely!! Go elsewhere! When Tesco quote “Every Little Helps” they mean to their greedy bottom line, not you as a customer. Avoid! Avoid! Avoid! Reviewed on: 6th December 2023

Terrible in every way

Bought a shop voucher as a gift. Charged a “cash” transaction fee for that. Then at month end an “ interest “ charge with zero explanation..except see summary..which is nowhere to be found. They are an amateur outfit and should be avoided Reviewed on: 27th November 2023

All very professional and friendly

Used them your many years and had no problems, always accommodating and professional Reviewed on: 31st August 2023

Simple payments and rewards

We purchase many of Tescos products from groceries to fuel. Prices are competitive and good quality. Reviewed on: 29th August 2023

Tesco credit card

Great service and reward points too when you spend Reviewed on: 24th August 2023

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