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Credit Cards

I've applied for a Tesco Bank Credit Card - what happens next?

If you’re automatically accepted

If you are automatically accepted when you apply for your card, we will send you a text within 2 working days welcoming you to Tesco Bank. This will also contain confirmation of your delivery timescales.


If you’re referred

If we need make some further checks before making a decision on your application, we’ll get in touch within 5 days to let you know what we need.


If you're declined

If we're unable to offer you a credit card, we'll normally let you know the reason why as soon as we've processed your application. 


What happens after you're accepted

  • You’ll receive your card 5 - 7 days after your application is accepted, along with your Terms and Conditions, a copy of your credit agreement and your welcome booklet, which has lots of information that will help you get started with your new card.
  • Your PIN will be sent separately. It’s normal to get this first.
  • You’ll need to activate your card once you’ve received it before you can start using it.
  • If you requested a balance transfer during your application, this will only be processed after you activate your card.
  • If there are additional card holders on the account, activating your primary card will also activate their cards.
Hi, I had my application approved a week past Sunday and received my pin number on Friday. Still no sign of the card. Is this normal? Thanks

Hi @Gw1981 has the card arrived now? Looking at our usual timescales it should of been received by now

Hello There, 


Recieved my Pin code yesterday (Wednesday 18th Jan). My mum has a tesco credit card and said it arrived next day after my pin. No sign of it in the post today.. Will it get here by Monday evening?

@RossM @Nick_F can you help?

Hi @kayjanallinson, sorry for the delay in getting back to you.  


Your card can take seven to ten working days to arrive from when your account was opened. If you received your PIN on Wednesday, your card should be with you this week. If nothing arrives by the end of the week, please get back in touch and we'll look into it for you. 

My application was approvedand and I was given a ref# but I tried to find out the next step but it took me to fill in another application. But of course that one was denied due to one in process. What is the next step them?
I applied (once) and was approved on the 29th of January. Online I can see my credit limit and the last 4 digits as well as other details. On the 2nd of February I received my PIN. On the 3rd of February I received a letter saying I can't have a credit card as there is already an application in progress (I only applied once). Am I getting a card or not?

Hi Isabella63 and Georgina1, we wouldn't be able to confirm the status of your application via social media, so we can help please give u a call on 0345 300 4278, 24/7. 

Hi. I got my application approved last thursday with an expected credit limit... How long after this should i expect to wait until i get my oin number and card please?