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M&S Bank - Marks and Spencer: Credit Card reviews

Name: Credit Card
Rating: 3.03 (186 reviews)

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2.70

Based on 186 reviews, last reviewed 20th Jun 2025

600% increase in 5 star reviews

in the past 90 days

33% increase in 1 star reviews

in the past 90 days

36%

13%

40%

Latest highest rating:

5

Never had any problems and the rewards are good Never had any problems using their credit card and enjoy spending the rewards Reviewed on: 13th June 2025

Latest lowest rating:

1

Shocking service I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been shipped to As... Read more Reviewed on: 20th June 2025

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M&S Bank - Marks and Spencer Credit Card reviews (186)

Review of the M&S Bank - Marks and Spencer, Credit Card:

marks and spencer rewards

Really good customer service. I phoned them as a hotel had charged me twice for same night stay. Very quickly resolved. Only had to fill in one form and everything sorted out very quickly. Love getting the reward vouchers through with long expiry dates. Always saved up for christmas. Reviewed on: 24th December 2015

Disgusted

My Father died nearly a year ago. I phoned up to explain and was reassured that they would make sure deceased were put on his record and no further letters sent out. He wasn't in debt at all but my mum continues to receive letters asking him if he wishes to use his credit card. Absolutely disgusted. Reviewed on: 17th January 2022

Issue with a credit which has been treated as debit

Very poor customer service. Took age to set up the system for online banking - first call on hold for 45 mins and second time another 15 both of them not helpful - would not recommend at all Reviewed on: 10th January 2022

Endless problems trying to log on to view statement

I have experienced endless problems for days with logging into M&S internet banking to view my monthly statements despite knowing passwords. I use the physical M&S Pass as I prefer not to have endless apps on my phone in case I lose it again. I've managed to get the code via the M&S Pass but when I enter it, it comes up Bad Request and signs me out. Also experienced a "fail" sign coming up on the M&S Pass despite putting in correct code. Trying to get help by the friendly chat service was no help. Definitely the worse internet banking I've come across. Why we need the mini M&S Pass (about the size of a matchbox) to get a security code I don't know. Much prefer the code is sent to my mobile same as used by Amazon and supermarkets. Definitely thinking of closing my M&S credit card because I don't want all this hassle. Would rather speak on the phone to get it sorted but can't find a phone number on their website. Have had to give 1 star but would have preferred to give none. M&S definitely not what it used to be. Reviewed on: 21st July 2021

My life savers

Money transfer to make more manageable payments Reviewed on: 17th June 2021

The best way to control your money

I put all of my expenses as much as possible on my M&S Credit card and I can keep track of it by the M&S App and then you have about 5 weeks grace before I then pay it all off from by private bank account - it is an ideal way of managing your money as long as you pay it all off every month. It works for me and it is great. Reviewed on: 11th April 2021

Always there for us

M & S Bank have always been very helpful, friendly courteous Reviewed on: 21st March 2021

Very deceitful

It started when I was trying to obtain a replacement card as I had my wallet stolen from a supermarket. I do not use the card as it was used as a zero balance transfer. I suspect that this is why they are just not sending me a replacement card. I have tried several phone calls, asking for copies of transcripts of conversation, copies of statements and of course replacement cards. Nothing as happened. I received nothing over then my DD had been stopped, which I did stop to see if I got a response, well surprise surprise I did. I did stop the DD because my bank account had been compromised, showing fraudulent access, so had to change the account. Since i had no card or account details I could do nothing on line other than contact them by phone. So I could not even register to use their on line service. Having made several calls, I still have not received anything. I then got an email stating that "the postal service has returned undelivered mail, stating you no longer live at the address." which of course is a load of rubbish. Especially when they can send me letters such as my DD stopped, new mandate letter to setup a DD, they got through ok. I am exhausted fighting this so I am just paying the balance off but their customer service is zero stars. I bit like they smile to your face but stab you in the back. Wont even go to any M&S again in my life. Disgusting company. I wonder if this gets published, lets hope so. Update 26/01/2021 - Just received a note that royal mail has returned my mail, strange things is that I got this notification via the royal mail. Anyway, I have now paid off the account and closed it. No change to me giving them the lowest score I can. Reviewed on: 20th January 2021

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 Reviewed on: 7th October 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 "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) Reviewed on: 22nd August 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 entice you in then refuse Reviewed on: 30th July 2020

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