I received a rejection of my application for a Clubcard Pay+ account. I rang customer services as was suggested by Tesco's website and received a very understanding response from their agent Clare. She raised an appeal on my behalf, gave me an application reference number and said I would receive a call back from the bank. In 6 weeks this never happened in spite of a further 4 calls to customer services. Some of the agents were helpful but said it could take time. One didn't know what I was talking about and had never heard of such a process. The last told me that he was unable to access any information about this, in spite of the reference number. I gave up.