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

Name: Credit card
Rating: 3.60 (209 reviews)

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3.60

Based on 209 reviews, last reviewed 2nd Sep 2026

14% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

39%

13%

37%

Latest highest rating:

5

Very good. Very good. Helped when needed. Happy with the service. What more can isay Reviewed on: 2nd September 2026

Latest lowest rating:

1

FCA warning for being in Arrears, when in Credit I have an M&S credit card mainly used for shopping at M&S on line. A monthly direct debit is in place, which is the responsibility of M&S bank to cla... Read more Reviewed on: 8th August 2026

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About this product

With the M&S credit card, you can get 0% interest on purchases and balance transfers for a period of time.

You can shop with your M&S credit card in millions of outlets, wherever you see the Mastercard logo. Earn rewards points every time you shop, and they'll be converted into M&S vouchers for you to spend.

M&S credit card reviews help you find out what it’s really like to be a customer. If you’ve used M&S before, you can also leave a review and share your experience.

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M&S Bank - Marks and Spencer Credit card reviews (209)

One of the worst experience of dealing with customer service

They have the worst call centre setup. The first level staff don't have any experience and reading useless information off a script. I dont think their system is great either as customer service staff don't have a clue what's actually happening. There is no access to any of the specialist teams. So you get stuck. Note also, their SLA for any resolution is 15 working days. And working is the operative word. So if any holidays in any country where the team is located, you get stuck waiting. Reviewed on: 31st October 2022

Awful customer service

Have been with m and s for years. I have never defaulted or had issue with payment. Unfortunately of late their customer service has proven to be worse each time I have needed to contact them. 5 phone calls over the past 2days, conflicting and useless information given whist trying sort a problem. Iam no further forward or sure where my money has gone if anywhere. Lost all confidence now. Shame on you m and s Reviewed on: 21st October 2022

An absolute sham

Customer Service is a robot. I refused to use the app and instead do it all online and it's the worse experience ever. You can't speak to anyone, the site is awful, small print, and it very clear that they want you to use the app. Don't they know the majority of M&S customers are over 60. I am now looking online to tart this card and dump M&S for good. Reviewed on: 21st October 2022

Others are much better

Dreadful phone staff barely speak let alone understand English, couldn't read security questions correctly thus saying I had wrong answers. That was a first! and unacceptable. Archaic bank policies to a couple who have shared accounts for 55 years and only bank USA or UK that will not let husband give permission to speak to wife who has handled the fiscals, again for 55 years. When others are so much better, why bother with this dinosaur? As for the app and website; a mix of archaic and ok, but you have to go to website to get your bill due date! It is not on statement (that's unheard of) nor on the app. With Waitrose going to New Day (the worst no go of all) and M+S being sub optimal, am trying Tesco which was easy to get with a high credit limit, up to date website and app and very quick to pay, so far so good. Reviewed on: 6th October 2022

Rubbish services & rubbish app!

Rubbish services & rubbish app! They will spam your e-mail address with offers, but they don't bother to send notifications if your request has been approved or not, and you can not check these sorts of messages in the app because they don't have it. You need to check the secure messages in the internet banking. This is their spill to do money from fees! But this stupid way of treating customers is the best way to know with whom you deal and avoid them for future needs! Reviewed on: 13th September 2022

It's not just terrible customer service it's serrible M&S customer service!!

It's not just terrible customer service it's serrible M&S customer service!! It should be amusing but really isn't. M&S you are an absolute disaster area when it comes es to customer service and satisfaction. Why do you have an app that doesn't work? Reviewed on: 12th September 2022

Awful

App is complicated, credit card activation needed four phones, a team of people and a PHD. Only to find the wont allow balance transfer from NEXT directory which was the whole reason for applying. You would think that would be in the info whilst applying. God awful service .Stay away Reviewed on: 11th September 2022

Unbelievable poor service

Been a customer for over 10 years. Always paid balance off in full. Never had to question a transaction or cancel my card from loss or theft. They hamper 1 in 10 transactions in the last 12 months asking me to confirm via the app which rarely works. Absolute crap! Reviewed on: 7th September 2022

HSBC Behind M & S unable to effect direct debit

3 months ago I took out an M & S credit card. I did this on-line and completed my direct debit details to pay all owed. Since then I have had nothing at all taken from my bank and only yesterday someone informed of a problem. I checked all the account details which are correct. In the torturous course of me dealings I have had 3/4 phonecalls all promising all was OK, the direct debit would take effect after their intervention. Each time after saying all now OK failure and I have had to make payments each time. What I have asked for is precisely why payments have not gone through. HSBC run things in the background. I have heard that others have had similar problems. HSBC/M&S/M&S customer care employees get a -6 from me. So many times I have spoken to employees and have wasted an awful lot of time and have paid money I needn't have had to pay for this is grossly inefficient. Reviewed on: 24th August 2022

Why is it so hard to move from paper statements to the App??

I have had enough of trying to register and I have wasted so much time on this! Reviewed on: 9th May 2022

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