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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

Don't get a Tesco credit card!! They'll screw you over!

Had a few bad experiences with this card over the years. Blocked many times when travelling making it useless as they couldn't unblock it till my return. Also had it cloned....twice. But the latest experience was too much! Rented a car in Spain, got wrongly charged for expensive insurance. Was told by customer services, a Miss Danielle Cameron, that it was my fault because I'd entered my PIN at the rental desk (despite them saying it was for a security deposit). This woman has refused 3 times to reconsider saying it's not their problem. Wouldn't even give me vouchers as a good will gesture, so stuff them! Tesco can go and take a running jump! I've been a huge and loyal customer all my life and for a relatively small sum they've thrown that all away. They'd have made back that money 10 times over in a couple of years from me. Reviewed on: 8th February 2023

So far ahead of the rest

Tesco Clubcard Credit Card has all of the features and benefits that I love combined into one. It's a credit card, but every time I use it , get Clubcard points. Every time I use it, it texts me to tell me how much I've spent. I can look up my details online, including up to date Statements, there's a telephone help line and so much more. Considering this from a retailer and not a bank, it's a very hard act to follow! Reviewed on: 3rd February 2023

Very good

Very good card and so many promotions Reviewed on: 18th January 2023

Login security easy to use.

I closed 3 credit cards recently because the new methods they used to improve security were too onerous. Tescos card security works for me. Reviewed on: 17th January 2023

Love it

What can I say. Easy to use. Gather extra clubcard points Reviewed on: 14th January 2023

Good card with low interest

Pretty helpful during pandemic and helped me as I struggled at times but always managed to make my payments Reviewed on: 14th January 2023

Good service

Enough good but struggle accept Reviewed on: 14th January 2023

Easy to use with great rates

Simple application, good & easy app, good rates & credit Reviewed on: 14th September 2022

4 hrs waiting time and drop the call

4 hrs waiting time to talk about lost card Somehow I had manage talk one of the staff the guy disconnected my call what a disrespect Reviewed on: 7th September 2022

Good company

We got a credit card through tesco and they have been great. We got it online and it was very easy and got processed very quickly. They always keep you up to date on charges and your latest statement. They are friendly when you do need to speak to someone and the app is easy to navigate Reviewed on: 15th August 2022

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