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Old 09.02.2019, 21:29
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Coop Supercard from Topcard

Anyone switched their Supercard from Swisscard to the new Topcard provider. A quick google search on Topcard reveals appalling reviews, curious what others think and if its worth the hassle to switch.
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Old 09.02.2019, 21:32
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Re: Coop Supercard from Topcard

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Anyone switched their Supercard from Swisscard to the new Topcard provider. A quick google search on Topcard reveals appalling reviews, curious what others think and if its worth the hassle to switch.
It is absolutely appalling. I only did it to get the 4'000 points and am now cancelling!
I have yet to find a way to contact customer service other than by phone which they want to charge you Fr 1.90 for bothering them. No email or online form.

The old card keeps working though. Just because you take out the one with Topcard, doesn't cancel the previous one with Swisscard. Mine had just been renewed, so I am going to keep hold of it until they cancel it.
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Old 09.02.2019, 23:23
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Re: Coop Supercard from Topcard

Same . I got the new card and the points.. But I doubt I'll use it..

Getting it was painless though, great service
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Old 10.02.2019, 12:32
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Re: Coop Supercard from Topcard

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It is absolutely appalling.
Why is that?

According to https://www.moneyland.ch/en/coop-sup...-benefits-2018 it is almost the same as the old one.
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Old 10.02.2019, 13:10
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Re: Coop Supercard from Topcard

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Why is that?

According to https://www.moneyland.ch/en/coop-sup...-benefits-2018 it is almost the same as the old one.
Aside from the differences outlined in your link, it is more difficult to contact the customer services of the new card. They sent me a paper bill which I did not request as I opted for the online login.
I only really did it to get the points (Fr. 40.-- free money) and am cancelling as I don't need it (I did the prepay one anyway) as I have other cards, including the old SupercardPlus one which is valid for another 18 months or so.
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Old 12.02.2019, 07:43
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Re: Coop Supercard from Topcard

Called them to cancel it. They did not ask for card number. Their automated system asked me to type it in at the beginning, but whilst doing so though it started ringing and someone answered so I don't think they'll charge the Fr. 1.90 for the call. There's no money on the card anyway so little chance.

They did not try to retain me as a customer and said the card has to be cancelled in writing by letter. No email or web-form solution accepted. Pathetic.

Very poor service and sloppy way of doing business. But thanks for the 4'000 Superpoints.
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Old 12.02.2019, 14:03
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Re: Coop Supercard from Topcard

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I have yet to find a way to contact customer service other than by phone which they want to charge you Fr 1.90 for bothering them. No email or online form.

I got this credit card recently too, and THIS, what you post, is a big bugbear of mine!! I had a bit of trouble setting up the app on the phone. Me too, I searched everywhere to find an email or other means of getting into contact with them. NIX, NADA, Nitchevo.



For a Deafie, such as me, such things are important to be able to lead an independent life.



In the end, I had to ask the Pirate to phone on my behalf ( I think I posted about that too)


Of course they were not able to help me, via him over the phone...no, I had to send in a power of attorney, to give him the right to phone them on my behalf....add to that, that this power grants him much more rights than just that. I trust my partner, that is no question, but still it makes me feel uneasy. Knowing that he could, if he would, enquire and find out what I bought with my card , am I in arrears or some such thing.




I am blessed to have such a nice and truistworthy partner doing such things for me.



But, other Deafies, without such help at home....they have to sing the power of attorney for 'Procom' **...where you have to grant that power over your credit card to a stranger.......


Honestly, I think this is big, fat discrimination of handicapped people!!!






*Procom is a service where Deafies can 'call' via their telescrit or chat, the people on the other end, then make a phone call for you and act as intermediary for you. Whilst they talk to the person on the phone, they simultaneously write to the Deafie what's being said. enabling them to get in touch with people/service that have no email or other means for us to get in touch in writing and we can't wait for snail mail.
Of course the employees at Procom have to sign a professional confidentiality form....but still it is a differnece to have to call them to say get a doctors appointment or handing over sensible details in regards to the credit card.




I really don't see why, other than to generate some kind of profit (as the card is free of charges), they cannot even provide an email address for their customer services.
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  #8  
Old 12.02.2019, 14:19
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Re: Coop Supercard from Topcard

TopCard is UBS Card Centers Vehicle to service non-UBS Cards.

The call center will be the same.
https://www.ubs.com/ch/de/private/ubs-card-center.html
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Old 12.02.2019, 15:55
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Re: Coop Supercard from Topcard

I have it and I don't recommend it at all.

The web interface is ugly and missing some functionalities, for which you need to install the app (???). It takes a lot of time to find basic informations. And they don't support DebitDirect, only LVS, so if you have PostFinance you must wait for the montly invoice.

I will cancel it soon, and in the meantime I am not using it anymore. I have requested a new one with PF: the web GUI is very nice and totally integrated with the main account, I had no issues looking for "howtos" and the functionalities are the same. To me this is totally worth the extra yearly cost.
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Old 13.02.2019, 09:55
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Re: Coop Supercard from Topcard

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I have it and I don't recommend it at all.

The web interface is ugly and missing some functionalities, for which you need to install the app (???). It takes a lot of time to find basic informations. And they don't support DebitDirect, only LVS, so if you have PostFinance you must wait for the montly invoice.

I will cancel it soon, and in the meantime I am not using it anymore. I have requested a new one with PF: the web GUI is very nice and totally integrated with the main account, I had no issues looking for "howtos" and the functionalities are the same. To me this is totally worth the extra yearly cost.
You do understand that the issuer behind the PF Credit Card is the same as for the Coop Credit Card?
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Old 13.02.2019, 10:16
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Re: Coop Supercard from Topcard

I did not know but I am not surprised, as I wrote the functionalities are the same. I don't really mind about the issuer.

The practical difference is in support and web interfaces, with a big advantage for PF - big enough to justify the yearly fee, IMHO.
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Old 13.02.2019, 11:09
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Re: Coop Supercard from Topcard

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The practical difference is in support and web interfaces, with a big advantage for PF - big enough to justify the yearly fee, IMHO.
And if you spend enough per year, it is enough to cover the annual charge, thus basically making it free.
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Old 18.02.2019, 00:18
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Re: Coop Supercard from Topcard

Speaking of costs, I was reviewing my invoices today.

Postfinance credit card costs 50 CHF / year and you have full control from web e-Finance. There's also the app, of course, but that's a parallel tool.

Topcard charges you 1.95 CHF every month for the paper invoice, which is almost 24 CHF / year. You can request the electronic invoice, but not from the website, AFAIU you need to first install the app and then maybe unlock that and other functions.

Another thing you can't do via website is returning it / closing the account. You can "hide it" from the balance (???) but not cancel your card. And so far I only found the German website for Topcard.

Stay away...
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Old 17.10.2019, 22:23
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Re: Coop Supercard from Topcard

Due to a combination of special events, I decided to give this card one last chance as backup payment method during a holiday... and I made a mistake.

After much trouble I managed to activate the electronic invoices, to save those 1.95 CHF/month. And you know what? Despite Topcard forcing you to install TWO apps, there is no notification functionality at all. No email, no in-app alert, no popup on your phone. I was waiting for some communication that the invoice was ready, as the most crappy services do, but the invoice was already expired. I was supposed to manually monitor the account balance every week...

And now instead of 1.95 CHF of paper invoice, I have 13.03 CHF of interests on unpaid invoices.

Needless to say I am totally mad and I will cut the damn card right now.

As I said, and silly me to not listen to myself... stay away.

PS: and just for sake of completeness, there is a commission fee of 1.5% if you use it for payments in foreign currencies, or even for payments in CHF made abroad, including Internet.

PPS: I just found the notification settings in the app. SMS and e-mail are present, but off, not sure if it was me or it's the default. The "push" notification is ON, though, but I'm sure I never got anything - if there's one thing I'm paranoid about is invoices and debts.

Last edited by venetian; 17.10.2019 at 22:58.
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Old 18.10.2019, 14:49
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Re: Coop Supercard from Topcard

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Due to a combination of special events, I decided to give this card one last chance as backup payment method during a holiday... and I made a mistake.

After much trouble I managed to activate the electronic invoices, to save those 1.95 CHF/month. And you know what? Despite Topcard forcing you to install TWO apps, there is no notification functionality at all. No email, no in-app alert, no popup on your phone. I was waiting for some communication that the invoice was ready, as the most crappy services do, but the invoice was already expired. I was supposed to manually monitor the account balance every week...

And now instead of 1.95 CHF of paper invoice, I have 13.03 CHF of interests on unpaid invoices.

Needless to say I am totally mad and I will cut the damn card right now.

As I said, and silly me to not listen to myself... stay away.

PS: and just for sake of completeness, there is a commission fee of 1.5% if you use it for payments in foreign currencies, or even for payments in CHF made abroad, including Internet.

PPS: I just found the notification settings in the app. SMS and e-mail are present, but off, not sure if it was me or it's the default. The "push" notification is ON, though, but I'm sure I never got anything - if there's one thing I'm paranoid about is invoices and debts.

Also, if you sign up for TopCard through eBill, then you will receive a punctual notification from eBill when the bill is ready.
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Old 18.10.2019, 15:12
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Re: Coop Supercard from Topcard

I wish I could... At the time I subscribed I could not do that, for some reason. Also LSV was not available with my account.

And now I can't find any information about how to cancel my contract. In the T&C it is mentioned that you can, and you have to do it in writing, but there is no form nor guidance - e.g. shall I include the cut card in the envelope? Is there a canceling fee?
I'll figure it out... and then it's over, it's just not for me.
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Old 18.10.2019, 23:24
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Re: Coop Supercard from Topcard

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Also, if you sign up for TopCard through eBill, then you will receive a punctual notification from eBill when the bill is ready.
And set up direct debit / LSV
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Old 19.10.2019, 18:24
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Re: Coop Supercard from Topcard

Which I tried, but does not work if your bank account is with Postfinance (which according to its report has 2.8 million clients, so not really a corner case).

This is the point of me ranting in this thread: the service offered by TopCard is incomplete and you have to invest significant time to get it work in a way that is just plain standard with other providers. I had other credit cards before and even the most unfriendly service was better than TC, e.g. I was never put in condition to miss a payment!
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Old 21.01.2020, 09:36
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Re: Coop Supercard from Topcard

Just adding my thoughts on to this thread.

I have a Coop Supercard issued by Topcard. I recently got it and spent on the card. I received the first invoice through the online portal. The invoice didn't include any form of payment slip or means to actually pay the bill. It's a joke that you can't contact them by email only by post or a set rate 2chf call. I switched the paper billing off to avoid the charge but can't seem to figure out how to pay. Also, you have to choose either to have an app OR an online portal, NOT BOTH! Really, this card isn't worth having. I've written to Topcard to try and find a way to pay the bill, after that I'm definitely not keeping...if considering applying for one, don't!
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Old 21.01.2020, 11:42
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Re: Coop Supercard from Topcard

Well, on the mobile app, you can see the PDF version of your monthly invoice though. There is the orange payment slip on the last page.

I do not find that TopCard is that bad.
I actually like it that they do try to make their apps better on every update lol.
I got locked out once because i use the apps abroad, and then there is problem because i am using a dual SIM card phone, and then once while i took the SIM Card out lol. I have to re-activate the app with the code they sent via post, each time! But now there is no such problems anymore.

I always get notification when i use the card, event when i use it to pay with Paypal or Twint.
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