Write a review

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

Name: Credit Card
Rating: 3.01 (174 reviews)

View other M&S Bank - Marks and Spencer products

2.65

Based on 174 reviews, last reviewed 14th Jan 2025

100% increase in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

35%

14%

40%

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:

1

AVOID any financial products at all costs AVOID ! Do not get a loan or credit card with M&S. worst service I have ever recieved since going on maternity leave . Told they had sent letters when... Read more Reviewed on: 14th January 2025

Read all reviews See your review

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?

Smart Money People is the UK’s largest financial services review site. Together, we can make financial services work better for everyone. Read or write an M&S credit card review below.

M&S Bank - Marks and Spencer Credit Card reviews (174)

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

The worst customer service I have ever encountered

M&S Bank (actually HSBC) without doubt the worst customer service I have ever encountered. The whole organisation is incompetent and indifferent. Even after they accepted a deal brokered by the Financial Ombudsmen and admitted their errors they are still persuing me for a non existent debt. Don't go anywhere near this company Reviewed on: 6th January 2025

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

Good online services

I have so far enjoyed banking with M&S Reviewed on: 29th June 2017

Excellent product

M&s credit card is easy to use and you get points when you use it and vouchers to spend in store Reviewed on: 29th June 2017

Credit Card

Got a credit card with M&S, the offer was great 25 months free interest, also to add the customer service is excellent each time I rang. Reviewed on: 23rd June 2017

Clear bills

Good clear bills, easy to pay. Apr could be better. Reviewed on: 23rd June 2017

THE BEST BANK

EFFICIENT, HELPFUL AND ALWAYS THERE TO HELP Reviewed on: 11th June 2017

Best card

I have had this card for a few years now and picked it because it had a zero interest rate on purchases of 15 months which was really useful for purchases like a tv. Reviewed on: 11th June 2017

Solid service

Frequent 0% balance transfer options, competitive APR. Reviewed on: 31st May 2017

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

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Credit Card
from 118 118 Money 2.29 from 45 reviews
Zero Credit Card
from Santander 4.00 from 13 reviews
Purchase Credit Card
from Halifax 3.88 from 18 reviews

There's still more to see!

M&S Bank - Marks and Spencer has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub