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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're 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, you'll need to activate your card within 60 days in order for this to be processed.
  • If there are additional card holders on the account, activating your primary card will also activate their cards.

I need a new credit card, mine has snapped

Hi @lizzylavz, thanks for getting in touch. You can order a new credit card via online banking by clicking on the circle with the blue arrow under your balance. After this, select 'Manage account' then 'Get a replacement card’. After you've selected this, you’ll be able to request a new card. I hope this helps! 🙂 - Brogan

My credit card has expired and I haven't been sent a new one. How do I get one?

Hi @Aiya, I'm sorry you haven't received your replacement card. Please give us a call on  0345 300 4278 (24/7) and we'll look into this for you - Thomas

Getting an error message when filling security details please help


Hi @Denchie, I'm sorry to hear you are experiencing issues. Can you send us a private message so that we can discuss this further with you? 

Who shall message



Hi. I made an application on the 13th February online. The application timed out after accepting me so I got the agreement in the post a week later on the 20th. I signed and sent back the same day, it is now the 28th and I called today to discover my application has still not been processed. This time scale is terrible, I applied half a month ago and the card is still not on its way? Provide some more info or better service. I’m also unhappy when I call customer service as the connection is bad, it takes forever on hold and it’s not free!

Hi @Stephenpaiva, I'm sorry to hear that you've still not heard from us. The returned documents will usually be processed within 2-3 business days from the date we receive them. Once these have been processed, as long as everything is in order, the card will be issued to you along with your PIN. You'll receive the PIN within 3-6 days and the card within 5-7 days. 

Applied for a card around 11 days ago. Stated I was being referred. I heard nothing since, how long before I’ve an answer?