Tesco Credit card 0% purchases offer expiry date

No_6

yes

but just phone them...…..you must have a mobile ?


is it a MOST expensive ONE ? just wondering why you don't use IT

OceanSound

fewcloudy wrote: »

You're making this far more difficult than it needs to be! Just phone them.

It's as simple as that, and I speak from experience with the exact same issue, with a Tesco card a few years ago.
No code cracking required after all, you will be relieved to hear:)
Just one phone call, for all your queries.

I agree. Have called them before and can confirm the telephone support is quite good.

For this particular instance, seems a bit OTP (Over the Top) to call, possibly stay on hold (although i don't recall being on hold for long previously - no idea what it's like now), go through security, only to ask just one question.

From what's already been said by poster's here I've pretty much got the expiry date nailed down to 09 July 2019. If I don't receive an email three weeks before this date, I will most certainly give them a call to confirm.

p.s. Happen to see that I had kept some screen shots when I applied for the card. THe date stamp of the files say 09-07-2018. So, I'm pretty confident that's when the account was opened.

It's worth keeping screen shots particularly if you apply for a card through a cashback site like quidco/tcb. As they may come in handy if the cashback doesn't happen to track.

No_6

Just to keep a post going......without typing anything


this must have been one of the worst I have replied with a

OceanSound

Update: On the May statement (09 May 2019) there was this:

IMPORTANT INFORMATION
Please note that your introductory purchase rate will
expire 09/07/2019, the standard monthly variable
rate will apply after that date.

Next statement (Jun 2019) does not have the above.

fozmcfc

I had a Tesco card previously and it was on my paper statement 2 months before my 0% offer expired that it would do so.

This time a few years after qualifying as a new customer, I got a a 27 months 0% purchase card.

I knew it was going to end soon, so started go on past experience, I started looking on my statements (on the app nowadays) from Jan this year and sure enough it tells me on my May statement that my rate will end also on 09/07/2019.

This months statement makes no mention of it.

A lot of people make a note on a calendar as to when their 0% period starts/ends or use the tools on this site to let them know or keep the emails from when the card was taken out, or keep the paperwork that came with the card.

TBH it's not difficult to find out.

phillw

fozmcfc wrote: »

I knew it was going to end soon, so started go on past experience, I started looking on my statements (on the app nowadays) from Jan this year and sure enough it tells me on my May statement that my rate will end also on 09/07/2019.

One thing to watch out for is that in the month that the 0% expires, you don't ever get the standard 30-60 days interest free credit as that only applies if you pay your previous statement in full and if you've been doing it right then you will have only been paying minimum payment.

I'm sure they do that to catch people out, although you can usually haggle out of it if you argue it. A lot of people close cards after the 0% has run out, but a couple of mine still have perks that make them worth keeping in any case. Plus it's another direct debit for account switches/meeting perks requirements.

I find playing russian roulette that I notice it on a statement to be a little too risky, so I always ask and then stick the date in my diary.

OceanSound

I always put a reminder on mobile phone calender for 1 week before expiry of 0% offer.
This has worked wonders.

If we cannot remember the date signed up (I take it not all of us keep screen shots) then we can always call the support line and ask.

What i meant to highlight here was the significance of putting it on the statement 2 months before (and not on the statement a month before expiry). There must be a reason for it. I don't particularly believe it's to remind the customer of the looming deadline. In fact, quite the opposite. I bet there will be some who see the may statement then think 'there is still 2 months left'' then completely forget about it. Then they get charged interest. The self-righteous can then tell them where they went wrong and that it's their fault.

Chino

OceanSound wrote: »

Update: On the May statement (09 May 2019) there was this:

OceanSound wrote: »

then we can always call the support line and ask.

As you were repeatedly advised yet, judging by your previous post, in over two months you still didn't!