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  • FIRST POST
    • shiwen55
    • By shiwen55 1st Jun 17, 11:01 PM
    • 30Posts
    • 1Thanks
    shiwen55
    tesco card application
    • #1
    • 1st Jun 17, 11:01 PM
    tesco card application 1st Jun 17 at 11:01 PM
    Hi,


    I signed up for Tesco 32 month BT, was accepted, signed electronically and then signed up for online banking, was logged in etc.


    An hour later, I tried to login to Tesco card online, but was giving error and saying can't log me in now, please try again, so I called up Tesco online help and they said it's a new account and they don't see anything here !!


    Funny thing is I haven't received a confirmation email yet !!


    Did some search online, not much answers, but mostly said Tesco does not send confirmation email but I should expect PIN and card in the post. Has anyone had such experience?


    Thank you


    shiwen55
Page 1
    • SnowTiger
    • By SnowTiger 2nd Jun 17, 1:07 AM
    • 3,000 Posts
    • 1,973 Thanks
    SnowTiger
    • #2
    • 2nd Jun 17, 1:07 AM
    • #2
    • 2nd Jun 17, 1:07 AM
    Hi,

    I signed up for Tesco 32 month BT, was accepted, signed electronically and then signed up for online banking, was logged in etc.

    An hour later, I tried to login to Tesco card online, but was giving error and saying can't log me in now, please try again, so I called up Tesco online help and they said it's a new account and they don't see anything here !!

    Funny thing is I haven't received a confirmation email yet !!

    Did some search online, not much answers, but mostly said Tesco does not send confirmation email but I should expect PIN and card in the post. Has anyone had such experience?
    Originally posted by shiwen55
    I've been a Tesco Bank customer for a couple of years, so already had online access when I applied for two credit cards from them recently.

    It took a while for both cards to appear in online banking. Before then, a message along the lines of the accounts being setup was displayed. There was a delay of a day or so before that message appeared.

    PINs arrived first, followed about a week later by the cards. You probably shouldn't expect the PIN until the later part of next week.

    I didn't receive email confirmation from Tesco Bank either.
    • shiwen55
    • By shiwen55 2nd Jun 17, 1:12 PM
    • 30 Posts
    • 1 Thanks
    shiwen55
    • #3
    • 2nd Jun 17, 1:12 PM
    • #3
    • 2nd Jun 17, 1:12 PM
    Thanks SnowTiger,

    I have recieved a text message this morning saying it's opened and I should recieve my PIN/card in the next 7-10 working day.

    Thanks

    shiwen55
    • solentsusie
    • By solentsusie 7th Jun 17, 1:31 PM
    • 546 Posts
    • 368 Thanks
    solentsusie
    • #4
    • 7th Jun 17, 1:31 PM
    • #4
    • 7th Jun 17, 1:31 PM
    When I applied for a Tesco credit card it never showed up in my online banking even after I had received my card and PIN.

    I had to phone them in the end and they had to merge my savings and current account online account login with the credit card account. It took about a week to complete but both now show up when I login to online banking.

    If you account doesn't appear then there may be a behind the scenes problem.
    • Chrysalis
    • By Chrysalis 8th Jun 17, 3:00 AM
    • 1,977 Posts
    • 916 Thanks
    Chrysalis
    • #5
    • 8th Jun 17, 3:00 AM
    • #5
    • 8th Jun 17, 3:00 AM
    My new tesco purchases card like the virgin money card is taking ages.

    The card is already available online. So I have a statement and it shows below my existing tesco card.
    I got the pin number last saturday.
    Now still waiting for the actual card.

    When I rang tesco they said they cannot consider it lost until the 13th which I think is around 10 working days. What I find odd is normally the pin number and card will be within 1-2 days of each other.
    • oldagetraveller
    • By oldagetraveller 8th Jun 17, 10:50 AM
    • 2,930 Posts
    • 1,442 Thanks
    oldagetraveller
    • #6
    • 8th Jun 17, 10:50 AM
    • #6
    • 8th Jun 17, 10:50 AM
    I'm sure that, when I received my Tesco CC a couple of months ago, there was an "add credit card" option when logged into my existing account details.
    Top right of screen if memory is correct.
    Did you hear about the politician who had a backside transplant? It rejected him.
    • Fosterdog
    • By Fosterdog 10th Jun 17, 6:34 PM
    • 3,056 Posts
    • 5,308 Thanks
    Fosterdog
    • #7
    • 10th Jun 17, 6:34 PM
    • #7
    • 10th Jun 17, 6:34 PM
    I applied for a Tesco CC last Sunday for their 30 month interest free on purchases and I got no confirmation of any kind to say whether it was approved or not, fast forward to Thursday and my new PIN arrived in the post, two days later and with a non post day tomorrow I still haven't had my card although it's obviously been approved or I wouldn't have had a PIN.

    Decided to try to sign up for online banking to at least find out if they have given me the full 30 months interest free and what my credit limit is and can't even create the account until the card arrives as I need the card number to do it.

    They really don't seem to be the best at communication with these things, just an email or text is all that would be needed with some sort of confirmation and when to expect things to arrive.
    • Chrysalis
    • By Chrysalis 11th Jun 17, 6:04 PM
    • 1,977 Posts
    • 916 Thanks
    Chrysalis
    • #8
    • 11th Jun 17, 6:04 PM
    • #8
    • 11th Jun 17, 6:04 PM
    tesco card did arrive friday, but couldnt post as literally 5 mins after here went away for weekend.

    I could already check online as I already had a card registered with them, they auto registered my second card.

    They confirmed my terms when I got approved (full 30 months and advertised APR), I also got confirmation on the letter the card arrives on.
    Last edited by Chrysalis; 11-06-2017 at 6:07 PM.
    • fozmcfc
    • By fozmcfc 11th Jun 17, 6:57 PM
    • 2,990 Posts
    • 2,180 Thanks
    fozmcfc
    • #9
    • 11th Jun 17, 6:57 PM
    • #9
    • 11th Jun 17, 6:57 PM
    Between acceptance and having everything set up and running was a pain with Tesco.

    Got accepted, pin sent. I'm sure they then said, set up account online, but I couldn't until I got the card.

    Then I get a phone call to say ring them and they went through asking me questions about the answers on my application. They said card would be with me, in the next 5 days. But the card was already with me, or would have been had I been in when they attempted delivery

    Then I set my account up online and got the app. I activated the card and used it for a few purchases. Then I get 2 more emails over the coming weeks, to say, we see you haven't activated your card.

    Now it's up and running, no issues and I like the app in particular.
    • Dandytf
    • By Dandytf 12th Jun 17, 11:41 AM
    • 703 Posts
    • 295 Thanks
    Dandytf
    Tesco card app is excelent.

    Though I've had to use my card more often than I anticipated-+75% limit usued an thats since their kind auto increase months after receiving the card.

    Enjoying contactless sandwiches, though 1 home emergancy 125 sink drain machine destroyed my low limit use.

    I shall contine to leave that for a while and allow 25 dd payments to slowly reduce o/b
    Maybe I'll find a fiver to add to payments, simple as it sounds it's a decision not taken lighlty whilst working reduced hours.
    Last edited by Dandytf; 12-06-2017 at 2:12 PM.
    sc dmp 2012 13k

    Jan 2017 7380 paid. 50% ish...
    • SnowTiger
    • By SnowTiger 12th Jun 17, 12:22 PM
    • 3,000 Posts
    • 1,973 Thanks
    SnowTiger
    Tesco card app is excelent.

    Thogh I've had to use my card more often than I anticipated-+75% limit usued an thats since their kind auto increase months after receiving the card.

    Enjoying contactless sandwiches, though 1 home emergancy 125 sink drain machine destroyed my low limit use.

    I shall contine to leave that for a while and allow 25 dd payments to slowly reduce o/b
    Maybe I'll find a fiver to add to payments, simple as it sounds it's a decision not taken lighlty whilst working reduced hours.
    Originally posted by Dandytf
    Yes, Tesco Bank's app is quite good. Their website is a hybrid - the banking part is modern looking, but when you want to view your credit card details you're dumped back in to the previous century.

    Their (Android) app shows pending transactions, which their website doesn't, however, I find selecting it a little fiddly.

    I guess you have a couple of years interest-free purchases. It's quite tempting to use the card and kick paying the balance off in to the long grass. In your position I would try to make extra payments as and when I could.
    • Chrysalis
    • By Chrysalis 12th Jun 17, 3:45 PM
    • 1,977 Posts
    • 916 Thanks
    Chrysalis
    I got no issue with the so called "previous century" in the credit card section, its small and compact which is how I think websites should be, "mobilised sites" I am not a fan off.

    The only thing missing which I would like to see is a "pending transactions" list.
    • fozmcfc
    • By fozmcfc 12th Jun 17, 4:15 PM
    • 2,990 Posts
    • 2,180 Thanks
    fozmcfc
    Yes, Tesco Bank's app is quite good. Their website is a hybrid - the banking part is modern looking, but when you want to view your credit card details you're dumped back in to the previous century.

    Their (Android) app shows pending transactions, which their website doesn't, however, I find selecting it a little fiddly.

    I guess you have a couple of years interest-free purchases. It's quite tempting to use the card and kick paying the balance off in to the long grass. In your position I would try to make extra payments as and when I could.
    Originally posted by SnowTiger
    I used my card, like a loan, for several purchases, nearly up to my limit. 28 months to pay it back at 0%. I just made sure that I set the repayment amount each month, so I clear it before the 28 months ends.

    Of course it means, I'm unlikely to use the card again, until it's paid back, but I'd rather do that, then gradually spend on it, then realise I have a few months to pay back a few grand.

    I find with a credit card, it's so easy over a month, to just spend on it and then when the statement arrives, think, wow I thought the balance was only half of that, because you've forgotten those £50 - £100 purchases from nearly 4 weeks ago.
    • Fosterdog
    • By Fosterdog 12th Jun 17, 9:28 PM
    • 3,056 Posts
    • 5,308 Thanks
    Fosterdog
    Well my card arrived today and I finally know my credit limit.

    I tend to use the 0% on purchases for a mix of day to day stuff and as a 0% loan for bigger purchases but I've always been careful with money and it will be paid off in full long before the end of the interest free period.

    The best one was my Nationwide one that gave cash back on all purchases, I put everything on it every month except bills on DD. It was cleared in full most months and within three on the few bigger buys while still on the 0%. I made a fair bit off them in cashback.

    At least this one will give me clubcard points, while I don't shop in a Tesco all that often anymore I do pop in now and again and usually use the clubcard boost around xmas to pick up a few bargains so I'm still getting something back from it.
    • SnowTiger
    • By SnowTiger 12th Jun 17, 10:52 PM
    • 3,000 Posts
    • 1,973 Thanks
    SnowTiger
    Well my card arrived today and I finally know my credit limit.

    I tend to use the 0% on purchases for a mix of day to day stuff and as a 0% loan for bigger purchases but I've always been careful with money and it will be paid off in full long before the end of the interest free period.

    The best one was my Nationwide one that gave cash back on all purchases, I put everything on it every month except bills on DD. It was cleared in full most months and within three on the few bigger buys while still on the 0%. I made a fair bit off them in cashback.

    At least this one will give me clubcard points, while I don't shop in a Tesco all that often anymore I do pop in now and again and usually use the clubcard boost around xmas to pick up a few bargains so I'm still getting something back from it.
    Originally posted by Fosterdog
    I think the Nationwide card is better for cashback. It pays 0.5p for every £1 spent.

    The Tesco card offers 1 Clubcard point for every full £8 spent in a transaction. Spend £8, get 1 point. Spend £7.99 or less, get no points. Spend £15.99, get 1 point. Points aren't accumulated on the statement balance. They're accumulated per transaction.
    • shiwen55
    • By shiwen55 19th Jun 17, 1:29 PM
    • 30 Posts
    • 1 Thanks
    shiwen55
    Hi guys !!

    Thanks for all these replies, I'm grateful

    Update: I have received card and pin and online banking is okay now and have done a BT already.

    It took about 2 weeks almost to be able to access online banking.

    shiwen55
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