I noticed a £2.40 Cash Transaction Fee on my Credit Card account and I don't think it should be there. There were two transactions that day, and neither would ordinarily incur any kind of charge (paying for food, then wine, in local bars). How do I query this and potentially get reimbursed?
It downs't feel right to be thinking that I should go back to either of the bars to query this with them without knowing where I stand. Is there anybody I should contact via Tesco?
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.
@ChristopherP I phoned Tesco Bank about this and it seems that a Toby Carvery eGift card that I bought was the reason for the Cash Transaction Fee, and also subsequent interest that was charged just after my initial post. I was told that this is something that has been happening more frequently lately and advised to consider making payments for these kinds of transactions via Debit Card in the future. Fortunately the advisor was happy enough to reimburse these niggly wee charges on this occasion.
Info was good to know as I have been in the habit of making eGift card purchases around this time of year but haven't encountered problems with other retailers (ie. Prezzo, Zizzi) although the advisor mentioned that Miller&Carter, for example, was another that he had seen the Cash Tranaction Fee applied to
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How we collect and use your personal data
Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group take the security of your data seriously. We want you to be confident that your data is safe and secure with us and understand how we use it.
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
The Tesco Bank online community ('Your Community') is for Tesco Bank customers, staff, contributors and supporters to discuss products, services, issues and matters of general interest. Your Community content may be viewed by both members and non-members.
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ChristopherP
