Discussion in 'Banking, credit cards, etc' started by CiaranT, May 10, 2017.
In what way??? I am considering switching.
I would imagine so, but it may well be a year away.
Are Tesco still giving clubcard points when you use their credit card ?
.. if so, it will be interesting to see if that is continued post transaction with Avantcard.
The staff at Avantcard are nice to deal with by telephone, but I do not consider their rates competitive and they lack any sort of loyalty scheme etc. Avantcard have recently migrated all customers to Mastercard, promising benefits, but I've yet to see how the customers actually benefit.
Yes, one clubcard point for every €8 spend. A lot less than was previously given but I still found it worthwhile. If it's not continued, and I suspect it won't, I think I'll be switching.
This seems like a decent result, if the press release is to be believed.
The Irish Times article says it is being continued.
Yes, hopefully it will.
Yes, it's continuing which I am surprised about. See below from Tesco site.
What happens to my ClubCard points after the transfer is approved?
Your Avant Credit card will provide you with the same earn rate as you have today, which is 1 point for every €2 Tesco Spend and 1 point for every €8 spend elsewhere. At transfer, we will issue you with a new ClubCard so you can still collect points and enjoy the benefits of ClubCard.
They added interest charges onto my bill even though the balance is paid off each month, apparently related to non-Euro transactions on top of the non-Euro transactions!
They refunded the interest after I threatened to report the matter to the FSO, they later said it was a computer glitch. They then fiddled with my account to make it look like they gave me the interest rather than charged it and then took it back off later, when what really happened is that they took it 23rd March, refunded it 3rd April! Now my account is saying I received the money and they took it back, my paper bill says otherwise.
I may still take the issue up with them.
My letter from Tesco Bank today does not contain the reassurance that points will still be accrued after a change to Avantcard. It only says "for the time being there will be no change to.... your ability to collect Clubcard points."
Their website does say the Avantcard will provide the same system, but I'm uneasy that this wasn't included in the letter, which includes almost all the same information apart from the headlined "What happens to my clubcard points after the transfer is approved". Why would that paragraph be omitted?
Yes, that omission from Tesco's letter seems strange. I'm thinking that Avantcard may offer this "rewards scheme" to all their customers, but want to launch with appropriate publicity. Avantcard need this promotion to compete with similar rewards schemes from competitors' credit cards - PTSB and AIB. It could signal a clever tie-up between Tesco and Avantcard.
To be honest, I'm struggling to have that much confidence in Avantcard.
.. If you asked me to have a bet with you, I'd bet that the Tesco points will disappear for existing credit card holders post transfer to Avantcard, probably along with the timing of those customers being migrated over to Mastercard.
OK MrEarl, you're on! If I'm wrong, at least I can enjoy watching Tesco wiping a good smattering of egg from their faces, after their web statement on the matter.
Last week I could not book Tesco mobile top up vouchers online. The Boost facility gave the message that it was "offline due to maintenance". I've been away for a few days and come back to find the same message, which makes it look permanent. There is an 1850 (pay) number to phone and order boost options.
Has anyone else experienced this? I am hoping to be told my browser or cookies are the problem.
Seems online ordering of clubcard boost is permanently gone. it's not brexit they are just winding up services in Ireland. They are lot of companies/banks/insurance scaling down their services in Ireland.
I have a phone insurance with simplesurance.eu but i can't renew it this year as they stopped providing insurance to residents in Ireland citing some local law.
We have only few service providers but some of them are closing down too, our government is sleeping and we end up paying unreasonable charges (eg. motor insurance)
From the above article in the Indo it seems the best rate available from Avantcard will be 20.9%. The current Tesco Visa rate is 1.167% per month which equates to an APR of around 15%. If Avantcard apply that rate it will be quite a jump for any Tesco Visa customers who don't clear their bills.
Got the Avantcard notice today. Takeover from August 2018, they reckon. No mention of Tesco points, 2.65% commission on transactions outside the eurozone, not allowed to have a positive balance (eg. no topping up before buying airline tickets which would put one over the credit limit), processing fee for paying at Post Office etc.
I do not have a good feeling about this
I didn't notice that a positive balance wasn't allowed, which is something that is of use to me sometimes. What struck me about the new terms and conditions is that additional cardholders can have access to ALL information regarding the account. Unnecessary and surprising, given the era of GDPR.
Do you retain your Tesco Credit Card Limit ?
Only reason i am with tesco credit card is the tesco points. the letter from Avant says nothing about that. time to move on. anyone which card providers allows positive balance?
Don't be hasty, they have previously said that you will continue to earn clubcard points, that hasn't changed....yet. We should know for sure in August so maybe hold on for the moment.
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