M&S Bank - Marks and Spencer Credit Card Reviews

Slow Delivery, Average App, Good Offer

It takes nearly a month from application to delivery of card. The app for online banking is very basic. I chose to apply for this card over others due to the reward/cashback potential that comes with accumulating points for vouchers and the...

It takes nearly a month from application to delivery of card. The app for online banking is very basic. I chose to apply for this card over others due to the reward/cashback potential that comes with accumulating points for vouchers and the introductory points to get an easy £25 to spend at M&S - all it takes!

WG93Level 1

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Simply the best.

Fantastic customer service, interest rate 5% also 5% on the yearly monthly saving account you won't get much better than this.

William George HyndLevel 1

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Slow!

Requested a credit card approximately a month ago and still not received my card. Was told it takes 2 weeks from returning paperwork which I did promptly. I rang after 2 weeks to see if they had paperwork and was told ‘yes we got it but we’re really bu...

Requested a credit card approximately a month ago and still not received my card. Was told it takes 2 weeks from returning paperwork which I did promptly. I rang after 2 weeks to see if they had paperwork and was told ‘yes we got it but we’re really busy at the moment - wait for another 2 weeks’. Still not got it. I will then have to order the second card for my wife as can’t order 2 straight away. They don’t even confirm for definite what the actual credit limit is until you get the card. Compared to other companies really slow service and delaying me from purchasing some big items from M&S ironically

AndyBLevel 1

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Excellent company

M and S Bank is easy to work with and the customer service is extremely good. The online service is easy to use and efficient.

Jen hague Level 1

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Not Great

Not the best service really. Took 3 weeks to get a card at all, I had to return paper terms and conditions which they misplaced for a week. No additional cardholder like I requested, got to wait 2 weeks to have the additional cardholder credit...

Not the best service really. Took 3 weeks to get a card at all, I had to return paper terms and conditions which they misplaced for a week. No additional cardholder like I requested, got to wait 2 weeks to have the additional cardholder credit checked!? App and online banking are very basic, can't view cardholders or view/change direct debit. App doesn't show pending transactions, only complete ones. Card constantly asks for 3dsecure password when making payments. Reward points are extremely low.

Only plus side is the actual deal - I got a high limit and 30 months purchase interest free.

JohnLevel 1

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Great way to get £25 M&S vouchers free

Use the card once and get £25.00 M&S vouchers free

EmmaLevel 1

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Excellent service and great rewards

The online banking is excellent and it is great to receive M&S points, which add up to M&S vouchers, whenever spending on the card.

NathanLevel 1

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Never have an M&S Credit Card

Our experience dealing with the closure of an M&S credit card account has been appalling. We have never dealt with such an unprofessional, inefficient and uncaring Bank. Finding a contact Tel number is difficult and the addresses are in various parts...

Our experience dealing with the closure of an M&S credit card account has been appalling. We have never dealt with such an unprofessional, inefficient and uncaring Bank. Finding a contact Tel number is difficult and the addresses are in various parts of the country. When you do get hold of someone it's a Call Centre and they appear to be unsure how to sort out your query. It took us a great deal of time and exhausted phone calls to sort out something that should have been so easy. We have never had a written apology. It caused a great deal of stress. A warning to those thinking of opening an account with them...DON'T . Please note that this has No Reflection on M&S Retail shops.

VivianLevel 1

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M & S are a Joy To Work With

Recently applied for a credit card with M&S. Their correspondence was up quick and clear. I was constantly kept up to date with the progress of my application and prompted to set up my online account which is easy to use and has a nice clean look

Laurieb12Level 1

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0% purchase credit card for 25 months

I was in a strange position of being unemployed yet having a decent income through alimony. Most places I applied for online, rejected my application because "computer says no!". They were the only ones who bothered contacting me to confirm my source...

I was in a strange position of being unemployed yet having a decent income through alimony. Most places I applied for online, rejected my application because "computer says no!". They were the only ones who bothered contacting me to confirm my source of income and approved the application. And the product is brilliant :)

misssharmaLevel 1

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credit card de-activated without informing customer

Had the m&s bank credit card for a couple of year now, not sure if it's me but chip keep failing on me about 3 times since getting the card . This time when reported to M&S bank credit card department. Was told my card been de-activated by them due...

Had the m&s bank credit card for a couple of year now, not sure if it's me but chip keep failing on me about 3 times since getting the card . This time when reported to M&S bank credit card department. Was told my card been de-activated by them due to them sending me a replacement card out as the old one is expiring in a couple of months time but no information sent to me to inform me that would be the case. Just think you going to do shopping and only card you got is M&S credit card and get declined, what an embarrassment having to leave without the shopping. When asked why it was de-activated while the replacement card is sent out, told basically it is their policy...even if it is their policy ...shouldn't M&S informed their customer that a new card is being sent out and they will not be able to use the card??????
so be warn, if you don't want all this problem of card failure and card being de-activated when you have not done anything wrong and them sending out replacement card due to old one is coming to expire.>>>>AND YOU DO NOT GET ANY NOTIFICATION THAT THEY HAVE DE_ACTIVATED YOUR CARD.
p.s you got the impression that whoever was at the other end of the phone was not even paying any attention to you when you try to make your point on the phone to me.
pps Will be cancelling the card very soon as I can not justify all the problem I have encountered with M&S customer through the time I been with them which I have not listed out...one thing for certain THEY ARE NOT A LISTERNING BANK?/CUSTOMER SERVICE
latest....called up M&S customer service to make an official complaint after finding out that they do not de-activate your card while sending out replacement card that expires in a couple of months time . They just basically forbing me off and keeping me on hold for 20minutes saying now that they cannot check if anything was wrong with the old card because I had the new card activated. By that time I was very annoyed and hang up and will def. closing the account once my account balance is zero as current I am in credit.

Case YeungLevel 1

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Inefficient & bureaucratic

The attraction of the card is the points but, despite receiving about 40 pages of legalese, at no point is any explanation given about how the points work. Online customer services are no help. There is no option to apply for a second card when...

The attraction of the card is the points but, despite receiving about 40 pages of legalese, at no point is any explanation given about how the points work. Online customer services are no help. There is no option to apply for a second card when opening the account. It takes a 15 minute phone call to persuade somebody to send you an application form for a second card but then a refusal to issue one until certified passport copies or similar are posted off. Only a very restricted list of professions are accepted as suitable to certify the documents. Just not worth the effort!

Matthew LeeLevel 1

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useless

I applied for a M&S credit card , very quick acceptance letter . I then received a pin number , card to arrive shortly . Another letter with another pin number arrived 2 days later , still no card . Spoke on telephone , card would arrive shortly , 2...

I applied for a M&S credit card , very quick acceptance letter . I then received a pin number , card to arrive shortly . Another letter with another pin number arrived 2 days later , still no card . Spoke on telephone , card would arrive shortly , 2 weeks later still no card I have given up.

AnonymousLevel 1

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useless

I applied for a M&S credit card , very quick acceptance letter . I then received a pin number , card to arrive shortly . Another letter with another pin number arrived 2 days later , still no card . Spoke on telephone , card would arrive shortly , 2...

I applied for a M&S credit card , very quick acceptance letter . I then received a pin number , card to arrive shortly . Another letter with another pin number arrived 2 days later , still no card . Spoke on telephone , card would arrive shortly , 2 weeks later still no card I have given up.

AnonLevel 1

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Poor Customer Service

Well applied for the M & S Credit Card to take advantage of the free vouchers and as I dont get any incentives with my current credit card and I do shop at M & S weekly I thought this would be ideal...... how wrong! I applied on line and within a few...

Well applied for the M & S Credit Card to take advantage of the free vouchers and as I dont get any incentives with my current credit card and I do shop at M & S weekly I thought this would be ideal...... how wrong! I applied on line and within a few days advised I had been "approved" sent back the t's & c's and completed the direct debit form. nothing received apart from another form asking me to sign and return which I did...... After calling customer services today almost 2 months since I was "approved" to request where my card was, I have been advised they received all my signed paperwork on 28th October.... its now 6th December and no card and they "do not know when" I will receive my card, so Im thinking ok I will cancel this as its pretty useless. They have my bank details my info and I dont have a card so trying to cancel is soooo hard. Ive now been on hold some 15 minutes waiting to speak to the "applications" department as the guy in customer services can only help me if I want a new card!!!! YES I DID WANT A NEW CARD BUT NOT NOW as I have no idea when it will turn up. Ive asked to have confirmation that my application is cancelled buy yes you guessed it the guy in applicants cant do that and they wont send out a letter or email. Im now away for approx 4 weeks and dont want a card now anyway. Finally spoken to customer services who have confirmed documents received 28th October and realistically if i want a card my application has now expired so would need to apply again and lose out on the offer of ££££. Very helpful person at customer services saying she would try and see if i can still get the card but having worked in finance i know the card would only be issued within 28 days of the credit check.... heyho M & S - hopefully my card is cancelled and I will receive a letter confirming as such..... very sorry for the rant M & S you are usually so good!!

LynnLevel 1

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Very poor customer service - almost to the point of not telling the whole story to customers

Opened an M& S Credit card account recently. I asked to pay full balance every month by Direct Debit but forms did not arrive so chased them up and was told I could arrange it over the phone. Did so and was told my payment would be made by due date,...

Opened an M& S Credit card account recently. I asked to pay full balance every month by Direct Debit but forms did not arrive so chased them up and was told I could arrange it over the phone. Did so and was told my payment would be made by due date, even though I queried it. Payment did not come off my bank even though the direct debit has been set up. When I telephoned I asked to pay the full amount by card so as not to incur fees but was told that I would incur fees EVEN THOUGH THIS IS THEIR FAULT. Customer service representative was asked twice if the payment could be taken on time and reassured me that it could - now she says it will take 10 working days but never told me that in the first place. I will be changing account suppliers ASAP as I do not like being lied to. If she knew it took 10 days why did she not tell me that when I originally set up the direct debit then I could have made a payment online to cover myself. I have an otherwise unblemished credit record and this has spoiled it. It has also spoiled my belief in M & S and I shall not shop there again.

GordonLevel 1

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Great customer service

Easy ways to pay, good rates, earn points with any purchase. They don' t automatically increase your credit allowance, but raised mine without problem after checking my credit rating after contacting them.

Jane WellsLevel 1

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What customer service??

Very poor customer service! Trying to charge interest when the error is between them and my bank..... made payment they bounced it back then charge me full interest as if i hadnt made any payment. Fact was i paid 2850 and paid a 200 figure from my...

Very poor customer service! Trying to charge interest when the error is between them and my bank..... made payment they bounced it back then charge me full interest as if i hadnt made any payment. Fact was i paid 2850 and paid a 200 figure from my other account.... (it only needed £180 to pay off due to a credit) but they want ro charge full interest on £3k.... until my statement came through.... so less than 10 days £118. . They refused the good will and im going to tackle my bank tomorrow.... will be cancelling my m&s card now.

Victoria Level 1

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Good online services

I have so far enjoyed banking with M&S

cassie johnsonLevel 1

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Excellent product

M&s credit card is easy to use and you get points when you use it and vouchers to spend in store

Julie Pearson Level 1

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