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Tesco credit card - completely useless!

£0.00 @ Tesco
I got a credit card a while back to use for bigger purchaes/online for safety in these uncertain times. Its my first time having a cc, so have a low credit limit. (I have no other debts). Anyway, I wa… Read More
bargainhunter2009 Avatar
7y, 8m agoPosted 7 years, 8 months ago
I got a credit card a while back to use for bigger purchaes/online for safety in these uncertain times. Its my first time having a cc, so have a low credit limit. (I have no other debts). Anyway, I wanted to buy something which is just over my credit limit (£20 over). I called them to ask if they could raise credit limit and the girl said the only way to do that was to PAY the money I wanted to spend on the cc into my credit card account from a debit card. I did this expecting what I had paid to cover the purchase. I called back today as my boyfriend said thats not right what she told me and guess what - she lied!!!! Stupid Tesco credit card worker - she never told me yesterday that if I go over my credit limit even if I have the money in the cc account, I will have to pay a fee for doing that. The customer service lady today told me that I should pay the amount I have on my credit limit by the credit card and the rest by a different card (I am paying online, she told me to call Dixons). I am not happy! Tesco lied to me and now I have paid in money to my credit card account which I wont be able to use. I was told I can call back next week when the funds cleared from my debit card to the cc account and close the account, and that the money I paid in will be refunded in 3 - 4 weeks by cheque. Seriously this company is a joke!!!

Anyway, as I want all the money back I dont trust what they said today and I want to know if you can get money back from a credit card? I will be closing the account
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bargainhunter2009 Avatar
7y, 8m agoPosted 7 years, 8 months ago
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Comments/page:
#1
I always thought you were a guy. :?
#2
AshleyRFC
I always thought you were a guy. :?


huh? No! I am a woman!
#3
Had a Tesco credit card for nseveral years and very happy with it, all dealings with customer services have been fine too.
#4
Are you sure? If you make a payment to a CC account it usually reduces your outstanding balance, and thus allows you to use that freed up credit (if you had £200 credit limit, maxed out, you pay £20 and it clears onto account [usually 3-5 days], your remaining credit limit would be £20]). Or I might be reading your problem wrong
#5
MoneySavingG
Are you sure? If you make a payment to a CC account it reduces your outstanding balance, and thus allows you to use that freed up credit (if you had £200 credit limit, maxed out, you pay £20 and it clears onto account [usually 3-5 days], your remaining credit limit would be £20]). Or I might be reading your problem wrong


I have a balance of £0 on the account. They said if I paid in what I was going to use, then I would have more to spend. Called today and told this was wrong. Want to close it, just want my money back
#6
AshleyRFC
I always thought you were a guy. :?


+1

:oops:
#7
ilovepink
+1

:oops:


WHY? NO I am a mum and I am a woman!
#8
bargainhunter2009;6087286
I have a balance of £0 on the account. They said if I paid in what I was going to use, then I would have more to spend. Called today and told this was wrong. Want to close it, just want my money back


Thats a weird policy - I've had cards where I've had refunds put on to them after I've cleared the balance, and they have shown a available balance of full credit limit + refund.
#9
MoneySavingG
Thats a weird policy - I've had cards where I've had refunds put on to them after I've cleared the balance, and they have shown a available balance of full credit limit + refund.


Thats what I thought at first, but my bf said no and lady on phone said that I only have the credit limit.
1 Like #10
bargainhunter2009;6087337
Thats what I thought at first, but my bf said no and lady on phone said that I only have the credit limit.


Perhaps your payment has not cleared from the other card, it can take a few days to show up, and the CS woman was being lazy and only looking at the info on the screen.
#11
MoneySavingG
Perhaps your payment has not cleared from the other card, it can take a few days to show up, and the CS woman was being lazy and only looking at the info on the screen.


It hasnt cleared yet, only paid it yesterday. You could be right, I will wait until monday. Thanks, have repped you:-D
#12
MoneySavingG
Perhaps your payment has not cleared from the other card, it can take a few days to show up, and the CS woman was being lazy and only looking at the info on the screen.


That'll be it. My cards are always in credit as the ******s always take more than they should off me so my limit is CC limit+credit on the account. It's a case of 'available funds'. If it's not cleared credit it's not available.
#13
Just called them back - no only allowed to spend the credit limit! How stupid is that girl that told me otherwise yesterday!
#14
bargainhunter2009
Just called them back - no only allowed to spend the credit limit! How stupid is that girl that told me otherwise yesterday!


Thats right, you are only allowed to spend your credit limit. But remember, when the funds clear they will owe you money therefore you should be able to spend the money you are in credit, plus whatever your credit limit is. This is the way my credit cards have always worked, and the way it used to work when I worked for the credit card dept at HBOS.

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