Sainsbury's Bank Credit Card - AVOID!!!

GreasyPalms

I normally pay mine by DD every month. Used my online account to increase the amount in August and was hit with a late fee because they hadn’t processed my DD. They didn’t respond to my online query/complaint other than automated responses and when I rang them they said my next DD was coming out in October and I’d have to make another manual payment for September or else I’d get another late fee! The lady did admit it was their fault and that she’d refund me and amend my credit file so I hope my next bill reflects this.

DCFC79

Ive a Sainsburys Credit card, had it for possibly a year ad its all good, no issues to report, DD's are taken on time.
Cant fault it myself.

fs80uk

GreasyPalms wrote: »

I normally pay mine by DD every month. Used my online account to increase the amount in August and was hit with a late fee because they hadn’t processed my DD. They didn’t respond to my online query/complaint other than automated responses and when I rang them they said my next DD was coming out in October and I’d have to make another manual payment for September or else I’d get another late fee! The lady did admit it was their fault and that she’d refund me and amend my credit file so I hope my next bill reflects this.

Same thing happened to me. They have promised to amend my credit card file as they did admit it was their fault over the phone, but that was after holding for over an hour to get through to someone. Internet banking is a joke also. I won't be using them again

AngieM2

Agree. They are appalling.......

My interest free card was frauded in May taking me over my credit limit. I informed them immediately. They charged me an overlimit fee, interest and withdrew my long term interest free offer. They also credited 3 other transactions back to me that were not part of the fraud (never reported by me)

I have spent at least 7 hours in phonecalls, emails and letters to resolve this.

It now turns out that they have actually refunded the non-fraudulent transactions back to me twice and they want to take £700 from me immediately.......this would then take me over my credit limit again.

I have no words to explain how appalling they are and how stressful this is.

jd_lowry

I have a just signed up for a Sainsbury’s credit card. Tried to use it to purchase car insurance and it was declined by several different large companies. Sainsbury's are saying they have changed a digit on their new MasterCard which makes it lookalike a foreign card to companies making unusable to companies in the uk. In other words it is of no use to me in most placesI would want to use it. they say it is not their problem and have noted my complaint. Suggested I use another card.

theheadshrinker

So, after 2 months of failing to deal with any of the issues I experienced, Sainsbury’s admitted to their numerous errors within a week of me referring my complaint to the FOS.

Sainsbury’s refunded the late payment fees, assured me that my direct debit is now setup correctly, confirmed that they have “Taken steps” to ammend my credit file (Although they said this could take up to 60 days???) and made an offer of £150 compensation.

I was glad that this whole pantomime seemed to be sorted out but my next statement was due within a couple of days so I chose to wait for the statement before closing the case with the FOS. It was a good job I did as Sainsbury’s decided to incorrectly charge me a further £25 in interest - unbelievable!!!

I referred this back to the FOS again and await their response. I will be glad to get this resolved so that I can finally escape Sainsbury’s Bank who are an absolute joke.

My advise to anybody else experiencing issues is to refer your complaint to the FOS as soon as you can to get any sort of response from Sainsbury’s Bank.