@Bracken101 Hey there, thanks for getting in touch!
When you make a cash transaction, we charge a fee of 3.99% and interest at your standard cash transaction rate. This is from the date of the transaction until the date this cash balance is paid.
We consider the following types of payments to be cash transactions: gambling transactions, wire/international money transfers, repaying borrowing, purchasing non-Sterling currency outside of Tesco, payments to prepaid or virtual cards, purchasing gift cards, investments, share trading and spread betting.
Have you made any of those types of payments? If so, you will see interest charged over two statements. The first statement will show the cash transaction fee and the interest from the date of the transaction until the statement came out. The second statement will show interest accounting for the period between the first statement coming out and the balance being paid in full. After this there’d be no more interest applied to this specific transaction.
Is this new? I have previously purchased gift cards in store and I’ve purchased gift cards on Amazon and not been charged. I would not have used my credit card if I’d know this was the case. I purchased gift vouchers on Miller and Carter site.
@Bracken101 This isn't new, I'm afraid. It may not have been charged on previous occasions depending on how the merchant processed the payment, however a cash transaction fee for purchasing a gift card will stand. Sorry about that!
@Bracken101 Purchasing a gift card will always generate a fee and interest with our cards. You'd stated above that you hadn't been charged in the past and that would only happen if the merchant processed the payment incorrectly (in other words, the fees should have been charged on each occasion). If you purchase gift cards with your credit card, you should always expect to be charged these fees, I'm afraid.
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How we collect and use your personal data
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We collect data when you browse our website (e.g. your IP address) and register for the Community. To find out more about how we use your data, our legal basis for processing your data and your rights under data protection laws please view our Privacy Policy.
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Tesco Bank Community Terms of Service v 1.0
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Fresh Eyes
05-12-24 14:56Is this new? I have previously purchased gift cards in store and I’ve purchased gift cards on Amazon and not been charged. I would not have used my credit card if I’d know this was the case. I purchased gift vouchers on Miller and Carter site.
ChristopherP
