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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 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 (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

Slow very difficult contact when u need help

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

Very new to them Direct Debit set up they did not ta...

Very new to them Direct Debit set up they did not take my payment then marked my credit file their error not mine they merged with Barclays now & they are doing the same thing to customers I have an excellent credit score, I am awaiting an investigation if not resolved fairly I will be taking Legal advice AVOID this company.. Reviewed on: 15th June 2025

Tesco is hard to beat

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

I got this card for shopping in Tesco and I am very...

I got this card for shopping in Tesco and I am very happy. I had experience with the operator, I was worried about the upcoming payment, but the employee helped me a lot. I have only positive reviews and experience Reviewed on: 13th June 2025

Happy customer

Offered good rates, no interest for 12 months, easily adjusted credit limit, gave me flexibility to dig myself out of a hole and save a bit more on groceries Reviewed on: 12th June 2025

Very easy to work with and good value for money

Very easy to work with and good value for money Reviewed on: 12th June 2025

"Tesco Bank" is Great!

Tesco Bank is great!, they have looked after me and without asking, supported me despite any changing financial situation. Reviewed on: 23rd April 2025

Brilliant Service.

Brilliant Service. Been using Tesco for many years and they are always do the best service! Reviewed on: 17th April 2025

Really easy and efficient transfer process

Really easy and efficient service when transferring from my old credit card to their incredible 28month interest free offer. I had some questions and found their contact centre to be easy to connect to and the staff are incredibly helpful. Reviewed on: 17th April 2025

Tesco rewards partner Hotel.com

Used a Tesco Voucher to book a hotel through Hotel.com. Due to a technical issue with Hotel.com I was overcharged. Hotel.com didnt want to know neither did Tesco. Expected some support from Tesco but they just simply didnt want to know and said it wasnt their problem. Reviewed on: 24th March 2025

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