Tandem Bank credit card woes

andy_poulton

No it was not.
Especially when the advisor talks you through how to apply on the site when I asked how to apply for a Cashback card to replace my two cashback cards.

I expect NOW with hindsight and familiarity with the site I could apply for the correct card.

However before that I was advised again how to apply ONLINE for a cash back card [fo my wife this time]

Now they have told me I cannot apply for a Cash Back card but I can keep the Journey one.
Lucy Apologised that all the advisors I spoke to over the last two days did not know all this and what had gone wrong, and that they were less than informed.

Yesterday I was advised I would get an email today outlining my complaint.
Fat chance nothing arrived.
That was the result of another 35 minute phone call.

Easy option.
CANCELLED,
CANCELLED direct debit. Wait for card and cut up.

What a waste of time.

[Deleted User]

It’s clear on the website.

Did you not read the product details and terms before applying?

andy_poulton

Thank you for the kind note Gary.
Yes of course I did.
BUT
Then followed the advisor talking me through the app until the end.

OBVIOUSLY since then, trawling through the various parts/tabs of the site it is now very obvious that the Cashback card can only be applied on the APP, the Journey card however can be applied for on the site.
NONE of the second level advisors/customer services knew that. They had to go to the 'Back Office' and 'Tech support' to find that out even after I 'taught' them/talked them through how to do it after a first level advisor told me how to apply for a 'TANDEM' card [notice the 'Blanket' term CARD there as they did not differentiate] and I pointed out the tab where it said this, apply, after scrolling through to the bottom of the various bullet points on the page.

Never mind all over now.
Andy

[Deleted User]

There's no need to trawl through the website - it's in black and white for each of the card descriptions.

Mountain - molehill.

andy_poulton

Thank you for the continued kind updates.

I guess by now that you are very familiar with this site then.

However If I was to direct you to my companies site, unless site or web building is your forte I would give it 30 seconds before you got lost or needed a site map.

There is a 30 page document to help!!

Best wishes

ap823

applied for a cashback tandem card, received one.

now discovered can not get a second card for spouse. credit limit set very low and they have no provision for credit line review, not in 6 month, not in 12..

now received first statement (paper statement by post!) no sign of cashback. asked on the chat in the app, after two wrong explanations was finally told "it appears we were not able to make you an offer in the cashback credit card and another card was issued". this was not made clear in the application process, otherwise i would not have continued.

card cancelled, what a waste of time!

andy_poulton

My point exactly.

WASTE OF TIME.

However after ducking out this thread it got worse?

The card arrived.
Tried to cancel by contacting TANDEM
they INSISTED
They were ADAMANT
they were POSITIVE

I had received the correct CASHBACK card after all.
We talked at length Over and Over Still the same. They would not budge.
I asked them to speak to the managers. They did, still same answer.

I HAVE A CASHBACK CARD

I HAD A CASHBACK CARD [why did I cancel then]

I now HAD a cashback card despite applying online and not via an app.

Eventually asked to be put through to another tier of call handlers.

They simply and quickly said.
NO I have not the previous Cus Svs Ops and manager were wrong.

It was a journey card and I had cancelled the account

DOPEY & BONKERS does not describe it.

[Reminded me of dealing with Economy Energy.
Do not get me started on them!!!]

phillw

Jolly_Gardener wrote: »

2. My balances shown in the app are so far OK. They do have a strange way of showing balances, similar to Barclaycard. The balance shown seems to be the amount outstanding at the time, which is not necessarily the amount shown on the paper statements. It takes a bit of getting used to.

I'm not sure I understand, don't all web and mobile banking show the current outstanding balance?

If you make a payment the outstanding balance goes down, if you buy something the outstanding balance goes up.

ozzy49

After reading this thread, I think I should just give up on my application.

I applied through the app 3 weeks ago for the cashback card, message came up stating I'll get a request for more details in the post and still nothing.

Is it worth calling them up or are these cards just not worth the hassle?

ABRDF

I started this thread 13 months ago and I have tried unsuccefully recently with MSE to get it closed!


The current situation with Tandem is very different from 1 year ago. And my inital review is not releveant NOW



1. The card works perfectly cash back and no fees outside the UK

2. The App works perfectly and is simple and easy to use

3. Notifications work perfectly

4. Balances show correct
5. Customer services have greatly improved ie number of staff and times of opening
6. They are working on additional cards (we have them from the first tranch)
7. They are working on the very low credit limits and review
8. They are working on Apple pay
Overall this company is working hard to provide a valuable product to MSE users.