Tesco Personal Finance

***Reason for applying*** Applied for a Tesco credit card recently because coming to the end of an expensive project (made mistake of watching too much Property Ladder and bought house at top of market with falling down roof, no electrics, no central heating...) and am using credit cards as an alternative to a short-term loan. ***Market comparison*** The card is the best I know currently on the market if you want to make lots of purchases and delay paying them for as long as possible - it offers 12 months interest free (as long as you make the minimum payment every month, don't build up other charges etc ). It's a Mastercard and I've never had any ...  Read the complete review

I've had a Tesco CC for about 6 years now and for about 2 of those years, my husband has been added as the second card holder. Firstly the CC itself, a mastercard so it is widely accepted. Used this in Hong Kong last month for a £300 purchase. Didn't have any problems whatsoever. Secondly, the points system is very useful. I do do my shopping at Tesco and I have changed from collecting normal clubcard points for Tesco vouchers, to airmiles (which is really NOT worth doing because of the amount of Tesco points needed for airmiles) and to the clubcard deals, specifically converting the points to restaurant vouchers. You get £10 worth of restaurant vouchers (for ...  Read the complete review

I have had a Tesco Personal Finance Mastercard from the Royal Bank of Scotland and I have had this credit card for many years, so feel I am more than able to write about the positives and negatives associated with Tesco Personal Finance and more specifically, the Tesco Mastercard. ~Keeping all your loyalty points under one roof....~ The reason we took out a Tesco Credit card was because we wanted to collect more loyalty points. If you stick to one loyalty scheme religiously you are more likely to reap the rewards. Tesco, at the time we took out our card, had the best clubcard deals -and I believe they still do... * Collect 5 Clubcard points ...  Read the complete review

Oh what a pain!!!Opening this account was a nightmare. It took ages to open this account- almost all tesco personal fiinance stuff takes ages! I opened this as they had 12 months 0% on purchases in tescos and elsewhere. And the tesco clubcard points that you can gain from this is very minimal. You get 5 points for every £4 spent but if you just use a normal clubcard you will get 4 points for £4 spent anyway. So dont apply for this if you are trying to boost your clubcard ponts. You are better off opening a clubcard plus account but this takes ages to open too. So beware as tescos attract its supermarket customers into thier banking especially by giving away many points ...  Read the complete review

I GOT A FLIER IN WITH MY TESCO VISA STATEMENT SAYING IF I USED CARD FOR ONLINE SHOPPING IT WOULD BE DELIVERED TO ANY SCOTTISH ADDRESS I HAVE TRIED TO DO THIS AND THEY DONT DELIVER TO MY ADDRESS SO SURELY THIS IS FALSE ADVERTISING ON THEIR PART I WOULD OF GLADLY USED THIS SERVICE AS I LIVE SO FAR AWAY FROM MY NEAREST TOWN AND ONLY 5 MINUTES UP THE ROAD FROM IN ANOTHER POSTCODE THEY GET DELIVERYS FROM TESCO NO PROBLEM SO I CANT UNDERSTAND WHY I CANT GET DELIVERYS THE SAME TIME AS THE OTHE POSTCODE AND WE ARE EASIER TO GET TOO AS WELL.