In message
-sept
ember.org, at 08:11:34 on Wed, 2 Aug 2017, Recliner
remarked:
Roland Perry wrote:
In message
-septe
mber.org, at 23:18:25 on Tue, 1 Aug 2017, Recliner
remarked:

What I don't think they have is a combined card which collects in one
scan for you as follows:

Spend Credit Card points Loyalty Card points Total

£1 0 1 1
£2 0 2 2
£3 0 3 3
£4 0 4 4
£5 1 5 6
£6 1 6 7
£7 1 7 8
£8 1 8 9

Yes they do, but only with a chargeable premium card, which has other perks
which may or may not be worth the rather high fee for you:
http://www.tescobank.com/credit-cards/premium

56% APR - no thanks!

Surely you don't pay credit card interest? And if you don't, why worry
about the rate?

Because it puts their business model into a rather poor context.

What I wanted was a regular Credit Card without the extra perks,
combined with the clubcard.

Yes, that's a reasonable request, and it's slightly odd that none of their
several cards offers it. I suppose the bank is mainly interested in making
money from lending people money at high rates, while the store's Clubcard
people are happy to offer their card free in return for all the marketing
data you provide, plus the extra sales they make from coupons. They haven't
managed to combine both sets of completely different objectives in one
card.

Perhaps because there's a regulatory issue over "whose data" it is. If
you make one transaction with such a card, does the data about what you
bought belong to the bank or to the Clubcard people.

And while the "Clubcard people" are still owned by Tesco, they did
recently toy with idea of selling it. See this article for potntial
pitfalls:

https://informationrightsandwrongs.c...tection-implic
ations-of-sale-of-tesco-clubcard-company/

Tesco also got severely spanked by the ICO for administrative glitches
in the early days of the Clubcard. I think it something to do with
having failed to get permission from the users to send 3rd-party
marketing mailshots. Yes, everyone usually asks that, but they
apparently forgot.
--
Roland Perry