I have had to instigate a £3064 charge back with Tesco Bank against a tour operator that cancelled my holiday and refused a refund. Tesco make their customers wait a minimum of 6 weeks before dealing with such claims and in the meantime will still charge interest if a customer cannot pay off their credit card bill in full during the Covid Crisis and being unemployed. This is despite the delay being caused directly by Tesco themselves. (I called after 4 weeks out of desperation and Tesco still have no intention of looking at my claim until the full 6 weeks has passed). Other banks such as Santander and Barclays take between 3 to 7 days to refund such claims, suggesting that Tesco are either not up to the job and a poor excuse for a bank or that they are simply capitalising on their customers misfortune by withholding their money, just like the other companies out there with poor business practices who are taking advantage. So the moral of this story is to absolutely not use a Tesco credit card for major purchases and instead use a proper, full service bank/credit card provider that can protect your interests in a timely manner. Tesco are a disgrace to the banking profession and should go back to purely providing groceries.