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

Name: Credit Card
Rating: 3.05 (171 reviews)

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2.70

Based on 171 reviews, last reviewed 28th Nov 2024

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

36%

15%

38%

Latest highest rating:

5

Bonus for signing up They accepted me for a 20 month interest free credit card through snoop app. Also got a nice 20£ voucher for applying through snoop.The app is identic... Read more Reviewed on: 28th November 2024

Latest lowest rating:

2

Contacting them is near impossible! Contacting them is near impossible! Their sign in process is too complex. (HSBC based!) App and site are 'Olde-worlde'! Phone contact (eventually) is ... Read more Reviewed on: 20th November 2024

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About this product

The Marks and Spencer credit card reviews on Smart Money People are written by people like you. We’ve got over a hundred genuine reviews to help you to discover more about the pros and cons of the M&S credit card.

With so many credit cards available, it makes sense to shop around to get the one that suits you best. Start by thinking about what you want to use the credit card for, as well as whether you intend to pay what you owe every month, or spread repayments over a longer period of time.

Learning about other peoples’ experiences can also help you make the right choice. Find out more about the M&S Bank credit card by reading our trusted Smart Money People reviews, including what kind of features Marks and Spencers customers like most.

You can also write your own Marks and Spencer credit card reviews to share your experience. Why not include details of the application process, or how helpful customer support services were?

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M&S Bank - Marks and Spencer Credit Card reviews (171)

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

Contacting them is near impossible!

Contacting them is near impossible! Their sign in process is too complex. (HSBC based!) App and site are 'Olde-worlde'! Phone contact (eventually) is with Manilla - charming people but no clue about how M&S cards work Reviewed on: 20th November 2024

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 Reviewed on: 7th February 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 of income and approved the application. And the product is brilliant :) Reviewed on: 29th 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 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. Reviewed on: 28th 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 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! Reviewed on: 26th January 2018

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 weeks later still no card I have given up. Reviewed on: 18th December 2017

useless

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 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!! Reviewed on: 6th December 2017

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, 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. Reviewed on: 25th November 2017

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. Reviewed on: 19th November 2017

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 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. Reviewed on: 18th November 2017

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

100% increase in 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

2

About this product

M&S Bank - Marks and Spencer Credit Card reviews (171)

Contacting them is near impossible!

M & S are a Joy To Work With

0% purchase credit card for 25 months

credit card de-activated without informing customer

Inefficient & bureaucratic

useless

useless

Poor Customer Service

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

Great customer service

What customer service??

Do you have a different M&S Bank - Marks and Spencer product?

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