Tesco Personal Finance Reviews

***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 ...  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 ...  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 ...  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 ...  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.

When i first opened my Tesco card with these i had problems.. I transfered my outstanding balance from my Capital one credit card all successfully, When i was speaking to the advisor i asked him to setup a direct debit. A month came round and i got a letter from Tesco saying i had been charged for missing a payment. I called the Call ...  Read the complete review

i took out an unsecured loan for £9000 with tpf as the rate was one of the lowest on the market at the time (march 2005) over a term of 5 years. at the start of the loan i was offered a 3 month payment break which i took then unfortunatly for myself i lost my job in the collapse of MG Rover a few weeks later. after the sudden loss of my job my ...  Read the complete review

Hi All, I just thought I'd add a note of caution for all who have a Tesco Clubcard Credit Card & have had or are due their next statement very soon.... I have just been verbally informed that my Tesco Credit Card - which I have only ever used for Tesco purchases does treat TESCO GARAGE SALES as part of the 12 month 0% interest ...  Read the complete review

In November 2006, a transaction appeared on my credit card statment for £150, then the following month two payments for £115. I knew nothing about these transactions. Tesco refunded the £230. but refused to refund the other as it was chip and pin, in a part of the country I have never been to on a day I can prove I was working elsewhere.. Poor effort and no communication. Not recommended. Ombudsman now involved.

I have used a Tesco Visa for many years now. The one issue I have is that on occasion, I have had to phone then up to authenticate my card (ie major purchase or overseas). This can prove a pain, particularly overseas. However, I suspect this is much the same with other cards. I like the Tesco points and I manage my account ...  Read the complete review

I applied for a tesco credit card for two reasons: to get the six months interest free credit to pay of a current card and so i could earn more tesco clubcard points. I filled in the online application and got a decision straight away. The whole process was easy and secure. All i then had to do was print off the forms, sign them and send them ...  Read the complete review

Shopping List: Bread, Milk, Butter and £5000. Gone are the days when your local supermarket was just your local grocer ... butcher, baker, delicatessen, tailor, hardware, music and video store. Ok, so the Supermarket giants have been giving us almost all we need under one roof for a long time now. But moving into the business of providing ...  Read the complete review

I had used a Tesco Personal Finance credit card for a couple of years before asking to add on an additional card holder. I telephone the Tesco visa card customer services and asked for an application form to be sent out. A week later it hadn't arrived, so I called again. The form then arrived. I immediately filled in the form and ...  Read the complete review

I have used Tesco Visa Card since it's inception. Then they decided to change my house number to 144 from 177. Why and how is probably a testimoney to total incompetence. A bill went astray. They charged me a late payment fee plus interest. They admitted their fault but didn't refund the fee and despite five requests never gave me ...  Read the complete review

Fancy an out of body experience? You can have one free with Tesco's. Confident that I would get a new credit card with Airmiles - I've got no debt records, bad financial history - I sent of for one, as I am already a Tesco Club Card holder. And within a week - I received a letter saying I couldn't have one. If I ...  Read the complete review

I have had a Tesco Visa Card for two months now and the high quality service that I have received has encouraged friends to change their credit cards too! My old credit card didn't give me any kind of reward scheme. I spend around £300 a month minimum on my credit card and wanted something in return. Tesco gives me 1 reward point for ...  Read the complete review

If like me you have a credit card, you will know the many pitfalls of buying now and worrying about paying later. You will also know what happens when your monthly interest is strating to be more than your actual payment. This is normally because you have a high APR on your Credit card. APR or Annual Percentage Rate is the rate at which ...  Read the complete review

I applied for a Tesco Visa Card sometime ago now and I am thoroughly satisfied with the level of service they have given me. The application was straight forward enough, you can do it online, by phone or by post. I applied online and within a few days I recieved my application form, printed out neatly which just needed a signature, a proof of ...  Read the complete review

I have had Tesco Personal Finance products for a few years now and have never before had any reason to complain. Until now and this is why.. I decided to apply for a Tesco Visa Card because I liked the idea of gaining Clubcard points each time I used my card. We wanted to buy a car and I thought £7000 worth of points would be nice. ...  Read the complete review

Definitely worth a look!! - Advantages: Low interest rate, Incentive scheme, Payment flexibility - Disadvantages: None!