The pound shop of Bamks - Tesco credit card Have a perfect credit rating, had not used tesco credit card for 7 months and the direct debit ceased automatically and they did not tell me (It is all online with my mobile number and email) and they could not mange to inform me. i owed £22 ponds on my cardI and they sent me a Default sum notice for £12, I cancelled both my cards because of this. I had been a customer for over 30 years and never put a foot wrong. The worst service I have ever experienced with a bank in all my life. Anyone out there thinking of using Tesco banking - DON'T! No matter how good you are you will end up with a bed credit rating through no fault of your own.