Roland Perry wrote:
In message , at 13:40:31 on Tue, 1 Aug
2017, d remarked:

The "inside" isn't manned 24x7. And thanks for confirming my impression
that there's a breed of tech geek who thinks one minor improvement is
justifiable, how ever many negative consequences it has. (And no,
talking to humans isn't one of those - the human's barcode reader
struggled to read the new fob too, increasing the length of the queue).

So pay by card or cash, whats the problem?

Do keep up; it's their *loyalty* card, not a payment card.

Fair enough.

Tesco have their own bank

The shop people claim the ATMs are "nothing to do with us", so it could
be a branding thing like Virgin Trains being nothing to do with Virgin
Bank.

Not so: both the stores and bank are wholly owned by Tesco plc, but are run
separately. Probably for security reasons, the store staff won't have
anything to do with operating the ATMs.


however so it wouldn't be beyond the realms of
possibilty for them to have to release a smart card/fob for payment.

I have always thought they should have a combined Credit/Loyalty card.
Maybe there's some regulatory issue with it.

Tesco had the same idea a long time ago, and Tesco Bank has been issuing
combined credit and loyalty cards for a couple of decades; they seem to be
advertised at every checkout. I'm amazed you've missed them!

https://www.uswitch.com/credit-cards...es/tesco-bank/

http://uk.creditcards.com/tesco.php

http://www.moneysupermarket.com/credit-cards/tesco/

http://www.tescobank.com/credit-cards/

Richard J. wrote:
Recliner wrote on 01 Aug 2017 at 15:36 ...
Richard J. wrote:
Roland Perry wrote on 01 Aug 2017 at 14:54 ...
In message , at 13:40:31 on Tue, 1 Aug
2017, d remarked:

The "inside" isn't manned 24x7. And thanks for confirming my impression
that there's a breed of tech geek who thinks one minor improvement is
justifiable, how ever many negative consequences it has. (And no,
talking to humans isn't one of those - the human's barcode reader
struggled to read the new fob too, increasing the length of the queue).

So pay by card or cash, whats the problem?

Do keep up; it's their *loyalty* card, not a payment card.

Fair enough.

Tesco have their own bank

The shop people claim the ATMs are "nothing to do with us", so it could
be a branding thing like Virgin Trains being nothing to do with Virgin
Bank.

however so it wouldn't be beyond the realms of
possibilty for them to have to release a smart card/fob for payment.

I have always thought they should have a combined Credit/Loyalty card.
Maybe there's some regulatory issue with it.

John Lewis manage to have a credit card with a reward scheme that favours
purchases in John Lewis and Waitrose, so there's evidently no regulatory issue with that.

Indeed not; Tesco implemented this idea decades ago, but Roland appears not
to have noticed the ad by every checkout.

However they also have a separate loyalty card for John Lewis, and yet
another one for Waitrose ("My Waitrose"). So full loyalty to the John
Lewis group implies three cards in your wallet. :-(

Why not one of these?
https://www.johnlewisfinance.com/par.../benefits.html

That's the credit card that I referred to, which offers reward points and
a credit voucher 3 times a year. But the MyWaitrose loyalty card also
offers additional targeted price reductions on a number of items,
including the ability to choose 20 items on which you get reductions
every week. Presumably the John Lewis loyalty card has something
similar, but my wallet is suffering from plastic overload.

I think the Partnership card doubles as both a JLP loyalty card and credit
card, but I agree that it ought to be able to also act as a myWaitrose
card.

Recliner wrote on 01 Aug 2017 at 15:36 ...
Richard J. wrote:
Roland Perry wrote on 01 Aug 2017 at 14:54 ...
In message , at 13:40:31 on Tue, 1 Aug
2017, d remarked:

The "inside" isn't manned 24x7. And thanks for confirming my impression
that there's a breed of tech geek who thinks one minor improvement is
justifiable, how ever many negative consequences it has. (And no,
talking to humans isn't one of those - the human's barcode reader
struggled to read the new fob too, increasing the length of the queue).

So pay by card or cash, whats the problem?

Do keep up; it's their *loyalty* card, not a payment card.

Fair enough.

Tesco have their own bank

The shop people claim the ATMs are "nothing to do with us", so it could
be a branding thing like Virgin Trains being nothing to do with Virgin
Bank.

however so it wouldn't be beyond the realms of
possibilty for them to have to release a smart card/fob for payment.

I have always thought they should have a combined Credit/Loyalty card.
Maybe there's some regulatory issue with it.

John Lewis manage to have a credit card with a reward scheme that favours
purchases in John Lewis and Waitrose, so there's evidently no regulatory issue with that.

Indeed not; Tesco implemented this idea decades ago, but Roland appears not
to have noticed the ad by every checkout.

However they also have a separate loyalty card for John Lewis, and yet
another one for Waitrose ("My Waitrose"). So full loyalty to the John
Lewis group implies three cards in your wallet. :-(

Why not one of these?
https://www.johnlewisfinance.com/par.../benefits.html

That's the credit card that I referred to, which offers reward points and a credit voucher 3 times a year. But the MyWaitrose loyalty card also offers additional targeted price reductions on a number of items, including the ability to choose 20 items on which you get reductions every week. Presumably the John Lewis loyalty card has something similar, but my wallet is suffering from plastic overload.

--
Richard J.
(to email me, swap 'uk' and 'yon' in address)

"Richard J." wrote in message
...
Roland Perry wrote on 01 Aug 2017 at 14:54 ...
In message , at 13:40:31 on Tue, 1 Aug
2017, d remarked:

The "inside" isn't manned 24x7. And thanks for confirming my
impression
that there's a breed of tech geek who thinks one minor improvement is
justifiable, how ever many negative consequences it has. (And no,
talking to humans isn't one of those - the human's barcode reader
struggled to read the new fob too, increasing the length of the
queue).

So pay by card or cash, whats the problem?

Do keep up; it's their *loyalty* card, not a payment card.

Fair enough.

Tesco have their own bank

The shop people claim the ATMs are "nothing to do with us", so it could
be a branding thing like Virgin Trains being nothing to do with Virgin
Bank.

however so it wouldn't be beyond the realms of
possibilty for them to have to release a smart card/fob for payment.

I have always thought they should have a combined Credit/Loyalty card.
Maybe there's some regulatory issue with it.
John Lewis manage to have a credit card with a reward scheme that favours
purchases in John Lewis and Waitrose, so there's evidently no regulatory
issue with that. However they also have a separate loyalty card for John
Lewis, and yet another one for Waitrose ("My Waitrose"). So full loyalty
to the John Lewis group implies three cards in your wallet. :-(

and an emptier wallet than other people

tim

In message
-septe
mber.org, at 14:36:44 on Tue, 1 Aug 2017, Recliner
remarked:

John Lewis manage to have a credit card with a reward scheme that favours
purchases in John Lewis and Waitrose, so there's evidently no regulatory issue with that.

Indeed not; Tesco implemented this idea decades ago, but Roland appears not
to have noticed the ad by every checkout.

That's a different layer:

"[with our credit card] you collect 1 Clubcard point for every
£4 spent (£4 minimum) in Tesco".

The loyalty card collects one point per £1 spent (£1 minimum).

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

etc
--
Roland Perry

In message
-septe
mber.org, at 14:36:44 on Tue, 1 Aug 2017, Recliner
remarked:

The shop people claim the ATMs are "nothing to do with us", so it could
be a branding thing like Virgin Trains being nothing to do with Virgin
Bank.

Not so: both the stores and bank are wholly owned by Tesco plc, but are run
separately. Probably for security reasons, the store staff won't have
anything to do with operating the ATMs.

The reason I was talking to them was precisely a "security reason"
because the external lighting to the area where the ATMs are located had
failed, causing people to have to operate the ATMs in the dark, while
all kinds of dodgy characters could be lurking in the shadows.

"Not our problem" the shop said.
--
Roland Perry

Roland Perry wrote:
In message
-septe
mber.org, at 14:36:44 on Tue, 1 Aug 2017, Recliner
remarked:

John Lewis manage to have a credit card with a reward scheme that favours
purchases in John Lewis and Waitrose, so there's evidently no regulatory issue with that.

Indeed not; Tesco implemented this idea decades ago, but Roland appears not
to have noticed the ad by every checkout.

That's a different layer:

"[with our credit card] you collect 1 Clubcard point for every
£4 spent (£4 minimum) in Tesco".

The loyalty card collects one point per £1 spent (£1 minimum).

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

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!

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

If people remember the Onepulse (a Barclaycard with Oyster) combining
two functions in one card doesn't have a very good track record.
--
Roland Perry

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?


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.

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