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If you have forgotten your PIN you will need to order a PIN reminder. This should arrive within 3 – 5 working days and can be requested by logging into to your Online Banking. Once logged in: On the My Overview page, scroll down to find your credit card account and click on the white arrow within the blue box. When the blue box expands, please click the Manage Account On the account overview page, select Manage Your Account. From the list available, select ‘Get a Credit Card PIN Reminder. Please check your address then click Submit. If your PIN is blocked you will need to call us to unblock it first. Our Customer Service team is available on 0345 300 4278* and open 24/7. Please note, once you have received your new PIN, you are able to change this to something more memorable at any ATM. Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
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In most cases you should be able to cancel the subscription or recurring payment by asking the company to stop it. You can also do this directly with us by calling Customer Services on 0345 300 4248 (open 24/7). We still recommend that you inform the company you are cancelling.   Please be aware that if we stop a recurring payment and you later decide to rejoin the subscription, then you will need to contact us to have the block removed.   If you have already cancelled the subscription with the company but they have continued to take payments, or you don't recognise the transaction, then please contact us. Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
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If you have a balance on your account you'll be charged interest on the transaction from the date you make it until the day you pay it off. If you pay off some of your account before your due date, you will reduce the balance, but you'll still pay interest on the remaining balance.   If you paid your balance off in full and have still been charged interest, this is known as residual interest. We charge interest daily, so even if you paid your balance in full you may still see interest on your next statement. That's to cover any previous outstanding balance from the period between the credit card bill being sent and when the payment is received.   The sooner you make your payment after your statement is produced, the less the interest will be, unless you pay in full and on time each month.
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You can make a payment to your Tesco Credit Card at any time but each month you will receive a statement with a payment due date. If you make a payment before the statement is sent to you, this will reduce your balance for the following month's statement. You will still need to make a payment to cover the time between your statement being produced and the payment due date.   You can check your payment due date via the Mobile App or via Online Banking.
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If you are due a refund from a retailer, the timescales involved can vary depending on the merchant bank. This is something we have no control over and although most refunds take between 3 - 5 days, we do suggest contacting the company who are processing the refund to check their timescales.
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When you use your credit card to make a ‘cash-like’ transaction, you’ll be charged a Cash Transaction fee.  Cash transactions include: Gambling transactions - these include using your card to buy lottery tickets,  online gambling sites such as bet365 and Gala Bingo as well as traditional bookmakers like William Hill Buying foreign currency from anywhere other than Tesco Travel Money – so if you use your Tesco credit card to buy your currency from other providers such as M&S , you’ll be charged a cash transaction fee. This also covers the purchase of cryptocurrencies such as Bitcoin or Coinbase.com Payments to prepaid or virtual cards such as Parentpay, Nimbl, Western Union, etc Wire or international money transfers through companies such as Transferwise, MoneyGram, Azimo, etc Finance payments such as repaying borrowing (e.g. loans, mortgages and credit cards) – this includes student loans, store cards, car finance repayments, Klarna etc Investments and share trading where you purchase shares/commodities using companies such as Trading 212, Plus500, eToro, etc Spread betting with companies such as IG.com, City Index, etc
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It’s really important you pay at least your minimum payment on time and by your payment due date. This date is clearly shown on your monthly statement and the mobile app. Otherwise you will be charged a late payment fee and potentially incur interest too. You’ll pay interest on this fee 28 days from when we tell you that the fee has been charged. Interest will be charged at the rate we charge for purchases, and you won’t pay any interest on the interest. How can we help? To avoid this why not set up an alert via Online Banking to remind you of your due date so you will never forget again?
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If a transaction you make, or other fees or interest take you over your credit limit, then you will be charged a fee. Any balance over your limit will need to be paid back in full as soon as possible to avoid further fees. Note you’ll pay interest on this fee at the rate we charge for purchases. How can we help? To avoid this why not set up an alert via Online Banking to remind you when you are getting close to your credit limit?  
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If you make payment by Direct Debit, cheque or any other method and you don’t have enough money to cover it, you’ll be charged a Returned Item fee.   If this causes a delay and means you don’t get your payment to us on time that month, you’ll also be charged a Late Payment fee. Make sure you give yourself enough time for your payment to arrive and avoid unnecessary interest and fees – see ways to pay.
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