9th June 2019
Great zero percent purchase period
Really useful zero percent interest on purchases for quite a long period
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24th April 2019
Overpayments not allowed a bank that refuses money !
I look for interest free credit card deals to pay annual golf fees. I over pay each month so I am in credit the following year. I have done this for a number of years with different credit cards. M&S is the only credit card I know that does not allow...
Read more I look for interest free credit card deals to pay annual golf fees. I over pay each month so I am in credit the following year. I have done this for a number of years with different credit cards. M&S is the only credit card I know that does not allow overpayments. They returned monthly payment once statement in credit but did not notify me. Which bank refuses payments from customers? Poorly informed customer service. I could not recommend them to anyy
15th April 2019
Good balance transfer deal
I was able to transfer my credit card balance for a very good 18 months at 0%, plus 6 months 0% on purchases.
10th February 2019
Excellent customer services, helpful and acccomodating. Good rates and clear information
Excellent customer services, helpful and acccomodating. Good rates and clear information. My recent experiences needed help resolving an issue with my account were dealt with helpfully, professionally and very satisfactorally. Very good customer...
Read moreExcellent customer services, helpful and acccomodating. Good rates and clear information. My recent experiences needed help resolving an issue with my account were dealt with helpfully, professionally and very satisfactorally. Very good customer services and no issues with website or information. Clear statements and all round good services. Rates good as well
7th February 2019
How to apply for credit circa 1986
After seeing them come up on several comparison sites including moneysupermarket who I usually find quite trust worthy, I thought I'd give this one a go as I wanted to carry out a 0% interest balance transfer....
Read more After seeing them come up on several comparison sites including moneysupermarket who I usually find quite trust worthy, I thought I'd give this one a go as I wanted to carry out a 0% interest balance transfer.
Well, the only modern part of the application was applying for it online. When I read I'd receive the terms in the post I presumed the card would come along with it too, alongside my limit. Well they did send terms but that was for me to sign and return before they send a card. (Do they recruit people who did office work in the 80s and couldn't adapt to computers?) .
So after receiving my card I wanted to sort out the balance transfer, to do this I had to register for an account, but to pass the security questions I needed to know my limit, at which point I couldn't proceed because they hadn't told me. I then had to call someone who went through enhanced security in order to sort this out. The app is very outdated, you can't even amend the way you want to make a payment, or change the amount, you have to call!
Very clunky, so far not amazed. Will see how this goes long term.
13th November 2018
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...
Read moreIt 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!
8th November 2018
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.
12th October 2018
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...
Read moreRequested 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
7th June 2018
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...
Read more 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.
2nd March 2018
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...
Read moreOur 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.
7th February 2018
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
29th January 2018
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...
Read moreI 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 :)
28th January 2018
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...
Read more 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.
26th January 2018
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...
Read moreThe 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!
18th December 2017
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...
Read moreI 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.
18th December 2017
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...
Read moreI 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.
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