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  • FIRST POST
    • ABRDF
    • By ABRDF 23rd Mar 18, 4:00 AM
    • 41Posts
    • 15Thanks
    ABRDF
    Tandem Bank credit card woes
    • #1
    • 23rd Mar 18, 4:00 AM
    Tandem Bank credit card woes 23rd Mar 18 at 4:00 AM
    Last edited by ABRDF; 16-08-2019 at 8:48 AM. Reason: Post no longer accurate
Page 2
    • dj1471
    • By dj1471 20th Jun 18, 8:14 PM
    • 1,740 Posts
    • 1,232 Thanks
    dj1471
    Can anyone tell me if the app has some sort of download to CSV option? Judging by the paper statements, I suspect not...
    Originally posted by woefulsaver
    Nope. The app is crap but frankly so long as they pay the cashback each month (which they do) I couldn't care less.
    • woefulsaver
    • By woefulsaver 20th Jun 18, 8:17 PM
    • 8 Posts
    • 2 Thanks
    woefulsaver
    Nope. The app is crap but frankly so long as they pay the cashback each month (which they do) I couldn't care less.
    Originally posted by dj1471

    Thanks.


    Personally a CSV option is a must for me, and paper statements are a waste, so I'll stick with my current card until the app improves!
    • dj1471
    • By dj1471 20th Jun 18, 8:53 PM
    • 1,740 Posts
    • 1,232 Thanks
    dj1471
    Has anyone tried whether people could get cash back of 0.5% with cash withdrwal in ATM abroad ?

    If not what is so special about this card. Subprime creditcard like Aqua, Capital one + Specialist debit cards will do a better job than this card.
    Originally posted by adindas
    There's never cashback on ATM withdrawals with any card.

    Nobody said it was special. It pays 0.5% on UK and overseas purchases with no ATM fees or exchange rate load (just interest on ATM withdrawals). There are very few cards offering actual cashback any more, especially on overseas purchases.
    • allan1954
    • By allan1954 21st Jun 18, 8:43 AM
    • 92 Posts
    • 29 Thanks
    allan1954
    I have a credit balance of £1200 per month the first month I paid about £480 and on the statement, it said left to spend £720.I thought that when this money was paid the £480 which I have the direct debit that the following month my credit limit would go back to £1200. now I only have the second month a credit limit of £480.when you use the chat service they take a long time to reply and some of the replies look like they are not reading what I have said and are taking the p*ss.
    • eDicky
    • By eDicky 21st Jun 18, 9:11 AM
    • 4,932 Posts
    • 3,032 Thanks
    eDicky
    some of the replies look like they are not reading what I have said and are taking the p*ss.
    Originally posted by allan1954
    It might be because what you write is quite hard to understand - I'm certainly struggling.

    You have a credit limit of £1200.

    You spent £480 so had £720 remaining available to spend.

    The £480 was paid off by direct debit.

    Right so far..?

    Your available credit did not return to £1200 after the DD payment..?
    • allan1954
    • By allan1954 21st Jun 18, 9:21 AM
    • 92 Posts
    • 29 Thanks
    allan1954
    It might be because what you write is quite hard to understand - I'm certainly struggling.

    You have a credit limit of £1200.

    You spent £480 so had £720 remaining available to spend.

    The £480 was paid off by direct debit.

    Right so far..?

    Your available credit did not return to £1200 after the DD payment..?
    Originally posted by eDicky
    yes, that's 100% right.
    • eDicky
    • By eDicky 21st Jun 18, 5:54 PM
    • 4,932 Posts
    • 3,032 Thanks
    eDicky
    yes, that's 100% right.
    Originally posted by allan1954
    Ok, so presumably you used your card to spend some more since that statement and before the DD was taken.

    The DD will only cover the statement amount, anything you spent since will again reduce the 'Credit left' amount shown in the app.

    As long as the 'Credit left' (available to spend) plus the 'Balance' (what you have borrowed by spending and not yet repaid) adds up to your credit limit of £1200, everything is correct.

    Am I making any sense..?

    If you have doubts about the accounting you can take a calculator and start from the beginning - plus all the amounts you spent and minus what you paid back, cashback and any refunds. You should end up with the current amount shown as 'spent'. I did that myself a couple of days ago.
    • allan1954
    • By allan1954 22nd Jun 18, 6:33 AM
    • 92 Posts
    • 29 Thanks
    allan1954
    Ok, so presumably you used your card to spend some more since that statement and before the DD was taken.

    The DD will only cover the statement amount, anything you spent since will again reduce the 'Credit left' amount shown in the app.

    As long as the 'Credit left' (available to spend) plus the 'Balance' (what you have borrowed by spending and not yet repaid) adds up to your credit limit of £1200, everything is correct.

    Am I making any sense..?

    If you have doubts about the accounting you can take a calculator and start from the beginning - plus all the amounts you spent and minus what you paid back, cashback and any refunds. You should end up with the current amount shown as 'spent'. I did that myself a couple of days ago.
    Originally posted by eDicky
    it looks like now all I can get is £480 one month £720 the next month could I ask you have you ever paid your bill sooner from say your bank account if so did they get the money quickly and how long before it showed in the app thanks.
    • eDicky
    • By eDicky 22nd Jun 18, 12:15 PM
    • 4,932 Posts
    • 3,032 Thanks
    eDicky
    it looks like now all I can get is £480 one month £720 the next month could I ask you have you ever paid your bill sooner from say your bank account if so did they get the money quickly and how long before it showed in the app thanks.
    Originally posted by allan1954
    As it happens, yes. Today at 11:30 my Tandem statement came through the door. At 12:30 I made a bank transfer for the exact statement balance amount to the Tandem account details, with my card number as reference. About thirty seconds later the notification from Tandem that they had received it popped up on my phone. Opening the app, my 'Spent' is now zero and my full credit limit is available. The incoming transfer will show as pending for a day or two.

    I did this in order to have my full limit available for a trip next week, but as everything was done using my phone I could actually do it any time and anywhere I happen to be traveling.

    Perhaps you were expecting your DD to be taken when you receive your statement, but it is not taken until the 'payment due date', about 26 days later. You can pay any time, but its best to await the statement before paying off the balance shown if you want your card utilisation to be reported in your credit history.
    • hoots1231
    • By hoots1231 30th Jun 18, 5:03 AM
    • 1 Posts
    • 0 Thanks
    hoots1231
    Have read all this with interest - not put off by struggles with the app as the cashback home and abroad is appealing.

    I have one question I would love to hear about though. Anyone who has got a Tandem Cashback Credit Card recently, how long did you have to wait to receive it? I am going on some long trips this year and want to know if I can expect to have the card beforehand...
    • john1002
    • By john1002 30th Jun 18, 7:19 AM
    • 958 Posts
    • 390 Thanks
    john1002
    Tandem say a week and my experience mine came within this time with the pin within 3 days.

    John
    • smudger1964
    • By smudger1964 1st Jul 18, 6:10 PM
    • 647 Posts
    • 267 Thanks
    smudger1964
    Tandem say a week and my experience mine came within this time with the pin within 3 days.

    John
    Originally posted by john1002
    Yeah same here I have given up with the app..Im certainly not giving an app my other bank account login details..
    I will just wait for the paper bill to come then be kinda quaint like the olden days
    • geek1981
    • By geek1981 2nd Jul 18, 10:48 AM
    • 180 Posts
    • 33 Thanks
    geek1981
    tandem user experience was a disappointment considering all the waiting list times etc, i have now cancelled my card, closed my account and got a santander zero for international use.
    • EXSUDBURY
    • By EXSUDBURY 13th Jul 18, 6:50 AM
    • 15 Posts
    • 3 Thanks
    EXSUDBURY
    Review
    I agree that Tandem has worked very well for me and I like that you receive cash back each month and credited promptly to your account. Today was my first issue as I was unable to log in using my app and of course you cannot get the information from their webpage.
    • bubieyehyeh
    • By bubieyehyeh 13th Jul 18, 8:15 PM
    • 457 Posts
    • 141 Thanks
    bubieyehyeh
    I've had tandem card a few months and had no issues and would recommend them. The app was really crap to begin with, but has all the functionality I need now.
    • frugalwin
    • By frugalwin 19th Jul 18, 7:35 PM
    • 7 Posts
    • 8 Thanks
    frugalwin
    Would any Tandem credit card users like to “refer a friend” and get a £10 Amazon voucher? It’s asking for first and last name, so it may be better to send a private message.
    • johnmoney05
    • By johnmoney05 19th Jul 18, 9:03 PM
    • 1,425 Posts
    • 463 Thanks
    johnmoney05
    Would any Tandem credit card users like to “refer a friend” and get a £10 Amazon voucher? It’s asking for first and last name, so it may be better to send a private message.
    Originally posted by frugalwin

    I am thinking to open one myself too. Anyone please? Thanks
    • frugalwin
    • By frugalwin 20th Jul 18, 8:36 AM
    • 7 Posts
    • 8 Thanks
    frugalwin
    Thanks to those who sent me private message, I have now applied for one.
    • zzzt
    • By zzzt 20th Jul 18, 12:03 PM
    • 324 Posts
    • 377 Thanks
    zzzt
    I've had tandem card a few months and had no issues and would recommend them. The app was really crap to begin with, but has all the functionality I need now.
    Originally posted by bubieyehyeh
    Can anyone else back this up?


    Is the app worth using at all or is it still total crap?
    • john1002
    • By john1002 20th Jul 18, 2:18 PM
    • 958 Posts
    • 390 Thanks
    john1002
    It shows you your limit, pending transactions and that is about it.

    FAQ and payment info is there as well.

    I!!!8217;m happy with it as I know it!!!8217;s limitations.

    John
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