Tandem Bank credit card woes

aris

I have had the Tandem card since March. I applied online and got it in the post within a week. Has worked flawlessly as advertised. I even used it on an overseas holiday - worked as expected. I was able to pre-load my card into credit, so when I used ATM's abroad, I was not charged interest. I managed to pay using the card abroad too. No foreign currency fees.


The app is great, as is their online support. They use a 'chat' type system which is akin to text messaging. You can call them on the phone too - and they sound British and clued up (which is a plus). The people on the chat system via the app have always answered my questions comprehensively and to the point. I like that. The app also sends you a notification ever time you spend money. I like this for security.



Tandem pay the cashback monthly - unlike Amex who pay it yearly.


Downsides (for now). They do not offer electronic billing. You have to get a paper bill in the post. They are working to fix this.


Also - you cannot get an additional cardholder on the same account. Again - they are working on this.


I don't hold my hopes up too high for them keeping the 0.5% cashback forever - it's a loss leader IMHO - but i'll take it while it is going. The charge free foreign transactions is a bonus too.


Overall - recommended.

dj1471

aris wrote: »

Downsides (for now). They do not offer electronic billing. You have to get a paper bill in the post. They are working to fix this.

You can now download PDF statements in the app, though annoyingly there's no way to opt out of paper statements.

mik_7686

Can someone please PM me there referral link and full name so I can apply for this credit card through the app lol :beer:

Sunhappy

mik_7686 wrote: »

Can someone please PM me there referral link and full name so I can apply for this credit card through the app lol :beer:

Referral link and name sent

h_power11

Hi could anyone please PM me their referral link and full name so that I can apply for Tandem credit card

Thanks in advanced

dj1471

As previously mentioned in this thread referral requests and links aren't allowed here, keep it in the referrers forum:

https://forums.moneysavingexpert.com/discussion/5877330/tandem-travel-cashback-credit-card

studentsaver_889

So I used Tandem again in Bulgaria and again had issues with the merchant provider UniCredit Bulbank. I used my aqua so I know it is not a mastercard issue. Just be advised always carry a back up.

yams

After two months of waiting to hear back about my application I got an email from them... inviting me to applying for their credit card as I already use the app :undecided

I was going to close my account with them anyway and keep using my current card. I really don't understand how they can have a 2-month backlog. If they're having issues they'd be better off with a wait list / soft search before they process things like JAJA.

starM

Applied on 21st April.

Received the paperwork today to sign. The agreement clearly says the cashback card. Not sure if I would like to go ahead with the application now.

DeeGee75

studentsaver_889 wrote: »

So I used Tandem again in Bulgaria and again had issues with the merchant provider UniCredit Bulbank. I used my aqua so I know it is not a mastercard issue. Just be advised always carry a back up.

Interesting you should mention this. I found similar in Bulgaria the other month. Strangely, at the hotel where I was staying, they picked up a different card machine, tried it with that, and it was all OK.

Also had issues in a restaurant. Like you, I had a backup Mastercard (Starling Bank Debit) which worked fine, so Mastercard wasn't the problem.

I never rely on a single payment method after Revolut a few years ago blocked my card and decided to do the whole "confirm identity anti money-laundering" rigmarole while I was in Poland. I'd emptied my current account into the Revolut card that morning so I could spend it, and was left running around Warsaw with just the cash in my pocket!