Premium skyrocketed in price without ever claiming on it previously. When I complained and spoke to customer service it was very much a 'computer says... Premium skyrocketed in price without ever claiming on it previously. When I complained and spoke to customer service it was very much a 'computer says no' we can't do anything about it response. Real shame as the policy was good. Read more Read less

It is getting hit and miss whether your &more show up. It is no use advertising a 1% reward and then not hitting your statement.... It is getting hit and miss whether your &more show up. It is no use advertising a 1% reward and then not hitting your statement. I have gone back to non-brand credit cards which offer less cash back (0.5%) but it least it reliably turns up Read more Read less

Never had any problems using their credit card and enjoy spending the rewards

Very happy with them as a whole, always easy to get hold of on the phone! So far they’ve honoured their word and sorted out... Very happy with them as a whole, always easy to get hold of on the phone! So far they’ve honoured their word and sorted out any issues I’ve faced rapidly. Can’t fault them! Read more Read less

When I had a problem getting a deposit back for a wet room from a company who let me down they were brilliant, defunded my... When I had a problem getting a deposit back for a wet room from a company who let me down they were brilliant, defunded my money and sorted it out with the supplier Read more Read less

Easy to use app and online. Helpful telephone customer service. Excellent 0% apr deal.

I have been an M&S credit card holder for many years, never had a problem with it or the service provided.

Making it STUPIDLY difficult to sign in without your App , constantly pushing you to have the App . I’ve decided I don’t want the... Making it STUPIDLY difficult to sign in without your App , constantly pushing you to have the App . I’ve decided I don’t want the credit card now and will cancel it ! Read more Read less

Applied for a loan with M&S Bank, they did a Hard Search on my credit file then nothing... They didn't contact me again to say... Applied for a loan with M&S Bank, they did a Hard Search on my credit file then nothing... They didn't contact me again to say I had been accepted or declined. I phoned them 10 days later to be told they had not processed the Loan and said they would complete it for me. They performed a second Hard Search (This has a serious negative impact on your credit history if you have two within 6 months, I now had two within 10 days). When Equifax informed me that my credit file was damaged I contacted M&S Bank who claimed they would rectify the issue with them. Six months on and the Hard Search foot print is still on my file after M&S Bank trampled all over it. Every time I check the file Equifax highlight the damage caused, which I presume they highlight to any new agency that looks up my details for future finance. The credit agency will not remove it at my request, requiring M&S Bank to correct their mistake, and claimed it will negatively impact the likely hood of future credit and interest rates offered that could cost me greatly. As M&S Bank have failed now three times in basic process I am writing this negative review and filing a complaint with the Financial Ombudsman Service. Don't use M&S Bank, it's clear from the reviews that my experience is not unique. Read more Read less