Tesco Credit Card Online Discounts? Find Out The Truth
For most people that consider getting a credit card they immediately think of one of the leading brand names such as American Express or Virgin. However the emergence of Tesco Bank and its financial power has seen a change in attitude and many people are now ready to consider Tesco Credit Cards as it is a familiar name people know and trust.
What Are The Advantages Of A Tesco Credit Card?
As you would expect the credit card comes loaded with special offers and discounts to attract people to the brand. One of the first major points is the offer an interest free period of fifteen months on purchases from the opening of the account. This is quite a substantial interest free period and is sure to be a big selling point for a lot of people who are considering taking out a credit card to use it almost as a short term loan in the current climate of financial difficulties. For existing customers there is further advantages as the card also becomes your new clubcard and offers double the points on fuel purchases. For those who are unsure of their credit rating Tesco offer you the facility to apply online for an "instant" decision
Fraud Protection?
With the increase in online shopping fraud protection is a big concern for many people. Tesco were quick to establish this and provide customers with Fraudsafe and Tesco Secure as two means of credit card protection.
The Small Print
Before you rush off to apply for the card it is worth noting some of the smaller print. Whilst they advertise "0% on balance transfers for the first nine months from when you open the account" you will still face a 2.9% fee. It is also worth noting that any balance transfer will also be restricted to ninety five percent of your credit limit.
Independent Customer Reviews
Ok you have read everything there is to know about Clubcard Credit Cards online and you want some real feedback from actual users of this card. It is important to remember that the majority of people who are happy using their cards will never leave a review or feedback because they don't feel the need and the opposite applies to people who have a problem and want to complain. At the time of writing reviews for Tesco Credit Cards are not great. From around 55 reviews we looked at they scored an average of 1.9 out of 5. Many of the complaints related to poor customer service, hidden charges, late payments and direct debits not being cancelled. Whilst some of the complaints were minor some more serious issues were raised such as fraud not being dealt with for weeks due to being unable to reach anyone on the phone from this department.
Conclusion
While Tesco are offering some great discount and offers this card is going to be very attractive. If you don't have any problems then you are going to get some good benefits. However, as other customers have reported Tesco may have to sort out some of their customer service issues and how they deal with fraud if they are to be taken more seriously and want to attract customers who are going to need help and service over the phone.
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