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Tesco Bank: Clubcard Credit Card reviews

Name: Clubcard Credit Card
Rating: 4.16 (306 reviews)

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4.04

Based on 306 reviews, last reviewed 17th Jan 2025

50% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

57%

23%

10%

Latest highest rating:

5

very helpful and beneficial I am very happy to th... very helpful and beneficial I am very happy to this tesco bank Reviewed on: 17th January 2025

Latest lowest rating:

1

Scam, robbers. Had a credit card for a few years. They know my pay gets paid last working day of thr month and refuse to change my payment date to anyway near my pay... Read more Reviewed on: 31st October 2024

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About this product

Tesco Bank Clubcard Credit Card reviews can help you to find out about the pros and cons of the Clubcard Credit Card credit card. What kind of features do Tesco Bank customers like? Find out more about the Tesco Bank Clubcard Credit Card by reading our trusted Smart Money People reviews. You can also write your own Tesco Bank Clubcard Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Tesco Bank Clubcard Credit Card reviews (306)

Review of the Tesco Bank, Clubcard Credit Card:

Earn points on everything

Although the value of the Tesco Clubcard points has gradually draped over time since taking out the card, this is still one of the best reward credit cards out there. Reviewed on: 29th March 2016

Money for Nothing

I use my card to pay for everything especially when shopping at Tesco(even more points). I pay it off every month so no charges then use the points to buy RAC cover every year for the family. Reviewed on: 11th July 2020

Great interest free period

I have had no issues with my tesco credit card. They offer great interest-free periods and it's good to have as a backup! The club card points you earn are an added bonus. Reviewed on: 8th July 2020

sneaky charges

Hello, just a honest review of tesco bank about 2 years ago i signed up for a credit card and even though i pay the balance off in full i still get charged interest despite the balance being 0 every month after paying it off. Reviewed on: 7th July 2020

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

hard to get an increase

many times they send you a letter that they will increase your credit limit and after one month they cancel it..they did like this 4 times in 8 months.. Reviewed on: 4th June 2020

easy to communicate with & no hassle

I have had the tesco credit card for many years and have never had any cause to complain. During that time I have used the bank's online options for a number of reasons, all of which have ended satisfactorily. I asked for a refund when I did not receive an item I had paid for on the card. This was handled quickly and efficiently. Recently the bank contacted me to advise that the credit card was in credit due to a refund of a cancelled holiday. They advised that I could transfer this balance to a bank account and they would waive any fees. Overall this bank has always treated me fairly and made doing business with them very easy. Reviewed on: 18th May 2020

Great customer service and good application process.

The application process was incredibly easy and when I called to get advice on a personal finance matter the staff couldn't have been more helpful. Reviewed on: 2nd May 2020

Efficient Service

Product was easy to set up. Information is easy to access and website easy to navigate. System works efficiently and it's great to get bonus Clubcard points for things I'd be buying anyway. Reviewed on: 1st May 2020

User friendly

User friendly App, keeping you up-to-date with how much you've spent and credit available. Easy to navigate. Reviewed on: 29th April 2020

Not as rewarding as it used to be

Unfortunately the rewards aren't as good as they use to be, but they still provide a good service nonetheless. Reviewed on: 28th April 2020

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