Great credit card which allows you to rack up clubcard points (Tesco Personal Finance)

Member Name: MrsLim

Product:	Tesco Personal Finance
Date:	01/06/09 (50 review reads)
Rating:

Advantages: Easy to use and lots of points

Disadvantages: May not be the best credit card with the best APR%

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 redemption against the food bill only) for every £2.50 worth of Tesco CC vouchers. This is an excellent deal although you have to use the vouchers up within 3 months of redeeming them. I haven't found a problem with using the vouchers up. I always pay my monthly balance completely and this can be done on the phone as well as online. The online system is very good and easy to use. Another thing I have to commend Tesco on is their fraud department. Twice in 6 years I've had them call me because I decided to buy something which amounted to £300 within 2 days. For some people that is normal, but because it was unusual for me, Tesco called up to check immediately but without blocking the card so I had total freedom to use the card whilst they checked and peace of mind that Tesco are making sure it was still me that was using the card.

Summary: Great credit card which helps saving up points for the tesco shopping!