M&S Bank - Marks and Spencer Credit Card Reviews

Ratings based on 88 reviews Last review 2 weeks ago

M&S Bank (Marks and Spencer) credit card reviews can help you to find out about the pros and cons of the M&S credit card. What kind of features do Marks and Spencer customers like? Find out more about the M&S Bank credit card by reading our trusted...

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M&S Bank (Marks and Spencer) credit card reviews can help you to find out about the pros and cons of the M&S credit card. What kind of features do Marks and Spencer customers like? Find out more about the M&S Bank credit card by reading our trusted Smart Money People reviews. You can also write your own Marks and Spencer credit card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Your Credit Card Reviews (88)

7th October 2020

appalling customer services

Disputed a transaction for a holiday cancelled due to coronovirus and 3 months after lodging dispute and sending their form back three times and they cant even find it.useless going back to Barclaycard who are amazing

22nd August 2020

The WORST credit card I've ever had.

I have a credit card with M&S bank. It's the most frustrating credit card I've ever had. When you want to spend online more times than most you receive a text asking you to confirm you've made the transaction, all fine at this point. On then replying...

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I have a credit card with M&S bank. It's the most frustrating credit card I've ever had. When you want to spend online more times than most you receive a text asking you to confirm you've made the transaction, all fine at this point. On then replying "Yes" you have to go back and re enter all your card details. This would be fine but, on more than one occasion this process has happened m, it has ended up with ordering multiple items, even though I've rang to ask if my order has actually been processed. In order to discuss your credit card on the phone (although you've entered your card details, dob etc) you then get asked (yes I've counted) 6 further questions to pass security! The WORST credit card I've ever had. Try AA credit card they're amazing :0)

30th July 2020

Declined

well I own my own home, one credit card always paid on time no debt and got refused for a balance transfer no idea what the criteria is but wow wish I looked more into it before I applied judging by reviews. What do i need to do to get one of these...

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well I own my own home, one credit card always paid on time no debt and got refused for a balance transfer no idea what the criteria is but wow wish I looked more into it before I applied judging by reviews. What do i need to do to get one of these entice you in then refuse

16th July 2020

Age Discrimination

Waiting over 100 days for M & S bank to respond to a chargeback request for a cancelled holiday. They are not sympathetic or helpful to elderly customers. Please don't use M & S if you're not 100% tech savvy.

12th July 2020

Excellent service

Someone was using my card fraudulently and M&S team sopped it and managed to alert me. They managed to stop a number of the transactions and I am very grateful for their quick and observant action!!

12th July 2020

BRILLANT

I am am impressed by the quick action of the M& S team when they noticed discrepancy son my Credit Card. Someone was using my card to purchase expensive items which I was not aware. I am very grateful for their quick action

20th June 2020

They need to sort out their IT DEPT

Sent a online banking pass, will not let me log in, spoke to various people, one man twice each time 3/4hr, said he would ring me back in 48hrs, HA HA its 96hrs...

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Sent a online banking pass, will not let me log in, spoke to various people, one man twice each time 3/4hr, said he would ring me back in 48hrs, HA HA its 96hrs now,
Thry need to sort out their IT dept, thinking of cancelling this one and go elsewhere USELESS.

20th June 2020

Online Banking Nightmare

Having had my card for weeks now, I have still not been able to register for online banking despite going through the lengthy process countless times. The final stage of the process involved ringing M&S and waiting forever...never did get an answer. I...

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Having had my card for weeks now, I have still not been able to register for online banking despite going through the lengthy process countless times. The final stage of the process involved ringing M&S and waiting forever...never did get an answer. I wasted too much time with this card so it is going to be shredded unfortunately I can't cancel it because that involves ringing a non-answering phone again!

19th March 2020

Dreadful - M & S have lost the plot.

My cheque was returned "Words and figures do not...

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My cheque was returned "Words and figures do not match"
Thirteen hundred and eleven pounds matches £1311 doesn't it?
The lady from India said that is does not. After nearly an hour on the phone!!
I can see why my local Marks and Spencer store has closed. Everything about M & S is now hopeless. Such a shame.

9th February 2020

credit card rewards spending instore abs out with

Easy to open m&s credit card. Rewarded with M&s s vouchers on set up. Gives preferential rates for associated services and points for shopping instore and out with which a crew over time and are posted out in m& s vouchers quarterly. Online banking...

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Easy to open m&s credit card. Rewarded with M&s s vouchers on set up. Gives preferential rates for associated services and points for shopping instore and out with which a crew over time and are posted out in m& s vouchers quarterly. Online banking straight forward and easy to use. Staff instore and online friendly and helpful.

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...

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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

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...

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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 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....

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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.

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