Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Cheesey123
    • By Cheesey123 10th Oct 16, 4:46 PM
    • 11Posts
    • 4Thanks
    Cheesey123
    Tesco Credit card
    • #1
    • 10th Oct 16, 4:46 PM
    Tesco Credit card 10th Oct 16 at 4:46 PM
    Hello,

    I applied for a Tesco Credit Card over the weekend (the 0% on purchases for 28 months) and I was declined. On the MSE credit club it showed I had a 70% chance for the Tesco Balance Transfer card and 70% chance for the Foundation card.

    I assumed that if I wasn't eligible for the card then they would offer the Foundation card. As i was not offered this does this mean I am not eligible for the Foundation Card or do they contact you at later date? I think i read somewhere on the forums that they emailed at later date to offer the Foundation Card, is this the case, has anyone else come across this or am I the 30% not eligible?
Page 1
    • 20aday
    • By 20aday 10th Oct 16, 5:43 PM
    • 1,710 Posts
    • 690 Thanks
    20aday
    • #2
    • 10th Oct 16, 5:43 PM
    • #2
    • 10th Oct 16, 5:43 PM
    It depends.

    What's your credit history (not score) like? Have you any recent missed/late payments, defaults/CCJs or anything untoward being reported to Experian, Equifax or Call Credit?
    It's not your credit score that counts, it's your account conduct and credit history.
    • Cheesey123
    • By Cheesey123 13th Oct 16, 9:24 PM
    • 11 Posts
    • 4 Thanks
    Cheesey123
    • #3
    • 13th Oct 16, 9:24 PM
    • #3
    • 13th Oct 16, 9:24 PM
    Got an email today offering me a pre-approved foundation card. Applied and was accepted
    • A4445
    • By A4445 13th Oct 16, 10:08 PM
    • 460 Posts
    • 220 Thanks
    A4445
    • #4
    • 13th Oct 16, 10:08 PM
    • #4
    • 13th Oct 16, 10:08 PM
    What credit limit did they offer?
    • Cheesey123
    • By Cheesey123 13th Oct 16, 11:36 PM
    • 11 Posts
    • 4 Thanks
    Cheesey123
    • #5
    • 13th Oct 16, 11:36 PM
    • #5
    • 13th Oct 16, 11:36 PM
    £250, which is fine for me as I plan on using it to pay for petrol and I'll be clearing the balance every month
    • Dandytf
    • By Dandytf 14th Oct 16, 9:09 PM
    • 434 Posts
    • 237 Thanks
    Dandytf
    • #6
    • 14th Oct 16, 9:09 PM
    • #6
    • 14th Oct 16, 9:09 PM
    £250, which is fine for me as I plan on using it to pay for petrol and I'll be clearing the balance every month
    Originally posted by Cheesey123
    Your Tesco foundation card is contactless if you use that at all.

    Prob the nicest card I have via iphone wallet

    Ive only 3mths to clear my 137 balance, which should be not too difficult.

    Remember Tesco foundation is 3mths 0% once activated.

    It's a nice we card, you have got me thinking, maybe I'll use this card next year for petrol to get an idea what my travelling costs are to work etc considering prices are due to rise next year.
    sc dmp 2012 13k

    Jan 2016 5219 paid.
    • Alexa_A
    • By Alexa_A 14th Oct 16, 9:33 PM
    • 11 Posts
    • 0 Thanks
    Alexa_A
    • #7
    • 14th Oct 16, 9:33 PM
    • #7
    • 14th Oct 16, 9:33 PM
    Congrats on getting that card Cheesy123!

    Just applied for a Sainsbury's card (have posted a separate thread about that) but I only got £1500 for balance transfer even though I applied for much more. Doubt I'll sign up for it now.

    Has anyone had the same experience and managed to get it increased?
    I have a good credit score, but will chat to experian about my history, I think it might be because I have available credit on other cards - but I need those!
    • browneyone
    • By browneyone 14th Oct 16, 11:27 PM
    • 33 Posts
    • 11 Thanks
    browneyone
    • #8
    • 14th Oct 16, 11:27 PM
    • #8
    • 14th Oct 16, 11:27 PM
    My tesco card isn't contactless.
    • Dandytf
    • By Dandytf 14th Oct 16, 11:40 PM
    • 434 Posts
    • 237 Thanks
    Dandytf
    • #9
    • 14th Oct 16, 11:40 PM
    • #9
    • 14th Oct 16, 11:40 PM
    My tesco card isn't contactless.
    Originally posted by browneyone
    Wish I could remember how to take a screenshot Apple wallet from iPhone 6.

    I could then post it in this thread.

    I've used tesco foundation a few times via Iphone 6, though I haven;t used it yet as a contactless swipe card.
    sc dmp 2012 13k

    Jan 2016 5219 paid.
    • 20aday
    • By 20aday 15th Oct 16, 8:34 AM
    • 1,710 Posts
    • 690 Thanks
    20aday
    My tesco card isn't contactless.
    Originally posted by browneyone
    If you want your Tesco Credit Card to be contactless you either need to a. go to Online Banking/call Customer Services and request it or b. wait until your current card expires.

    It's worth pointing out some other banks don't have contactless credit cards i.e. Nationwide but work fine with Apple Pay.
    It's not your credit score that counts, it's your account conduct and credit history.
    • 20aday
    • By 20aday 15th Oct 16, 8:35 AM
    • 1,710 Posts
    • 690 Thanks
    20aday
    Wish I could remember how to take a screenshot Apple wallet from iPhone 6.

    I could then post it in this thread.

    I've used tesco foundation a few times via Iphone 6, though I haven;t used it yet as a contactless swipe card.
    Originally posted by Dandytf
    Press the Power Button at the top at the same time as the Home Button. Screen will flash then and the snapshot added to the Photos app.
    It's not your credit score that counts, it's your account conduct and credit history.
    • Dandytf
    • By Dandytf 15th Oct 16, 3:11 PM
    • 434 Posts
    • 237 Thanks
    Dandytf
    Press the Power Button at the top at the same time as the Home Button. Screen will flash then and the snapshot added to the Photos app.
    Originally posted by 20aday
    Got it last night.

    I can access my wallet photo via this ipad air.

    Maybe I was tired, I couldn't find how to attach the photo to this thread
    sc dmp 2012 13k

    Jan 2016 5219 paid.
    • 20aday
    • By 20aday 19th Oct 16, 8:27 PM
    • 1,710 Posts
    • 690 Thanks
    20aday
    Has anyone here who has the Foundation Card logged into Online Servicing today at all?

    Just wondering as I checked my account and at the top they were showing the 0% purchases card (up to 28 months).

    Never seen this before, that's all.
    It's not your credit score that counts, it's your account conduct and credit history.
    • Dandytf
    • By Dandytf 20th Oct 16, 9:10 PM
    • 434 Posts
    • 237 Thanks
    Dandytf
    Has anyone here who has the Foundation Card logged into Online Servicing today at all?

    Just wondering as I checked my account and at the top they were showing the 0% purchases card (up to 28 months).

    Never seen this before, that's all.
    Originally posted by 20aday
    Since logged into my foundation card.

    The card you mention looks like an advertisement, probably to entice those with decent credit ratings., This is a few years away for me before I can go 'main steam' once again.
    sc dmp 2012 13k

    Jan 2016 5219 paid.
    • browneyone
    • By browneyone 21st Oct 16, 12:19 AM
    • 33 Posts
    • 11 Thanks
    browneyone
    I tried but got declined.
    • onthefencepost
    • By onthefencepost 21st Oct 16, 9:31 AM
    • 134 Posts
    • 32 Thanks
    onthefencepost
    I tried but got declined.
    Originally posted by browneyone
    Have you currently got a foundation card? If so how long have you held it for? Not to be too intrusive can you give me a indication of your background as I'm looking to apply for a more mainstream Tesco card next year.
    • 20aday
    • By 20aday 21st Oct 16, 9:28 PM
    • 1,710 Posts
    • 690 Thanks
    20aday
    Since logged into my foundation card.

    The card you mention looks like an advertisement, probably to entice those with decent credit ratings., This is a few years away for me before I can go 'main steam' once again.
    Originally posted by Dandytf
    I'd hardly call my credit rating 'decent' (i.e. more than the ideal two-three credit applications in recent months) but I've been accepted with a rep. 23.9% APR here with 22 months interest free from account opening and a limit of £700.

    If they still go ahead with the £250>£600 rise from next month I'll ask them to merge the accounts.
    It's not your credit score that counts, it's your account conduct and credit history.
    • Dandytf
    • By Dandytf 29th Oct 16, 11:57 AM
    • 434 Posts
    • 237 Thanks
    Dandytf
    Latest foundation card offer, existing customers.

    Letter today 0% tesco in store and online purchases from 1st Nov-March 17.

    Does this tempt me to try Tesco home deliveries (i'm usually old school Asda shopper)
    sc dmp 2012 13k

    Jan 2016 5219 paid.
    • 20aday
    • By 20aday 29th Oct 16, 12:46 PM
    • 1,710 Posts
    • 690 Thanks
    20aday
    Latest foundation card offer, existing customers.

    Letter today 0% tesco in store and online purchases from 1st Nov-March 17.

    Does this tempt me to try Tesco home deliveries (i'm usually old school Asda shopper)
    Originally posted by Dandytf
    Wonder if this is aimed at customers who never normally shop at Tesco I wonder?

    Not had such a letter myself.
    It's not your credit score that counts, it's your account conduct and credit history.
    • Nick_C
    • By Nick_C 29th Oct 16, 1:46 PM
    • 2,474 Posts
    • 3,258 Thanks
    Nick_C
    Slightly off track, but I applied for a Halifax 24 month fee free balance transfer card. MSE indicated an 80% chance of success, and I was approved - with a 13 month BT period and a £200 credit limit! LOL

    I immediately applied for the Virgin card, and got a £4600 limit for 24 months, no fee.

    To be fair, I do have another Halifax card with a £9800 limit and zero balance. When I called Halifax (who I've banked with for over 30 years) the next day to politely tell them what to do with their card, they did offer to redistribute my credit limit between the two cards.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

285Posts Today

1,094Users online

Martin's Twitter