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

Name: Credit Card
Rating: 3.02 (173 reviews)

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2.69

Based on 173 reviews, last reviewed 6th Jan 2025

100% increase in 5 star reviews

in the past 90 days

50% 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

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... Read more Reviewed on: 6th January 2025

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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 (173)

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

Good period of 0% on purchases plus rewards.

Good period of 0% on purchases plus rewards. Notifications for every transaction so easy to keep track of spending. Only slight negative is not being able to freeze card in the app but have to call the bank. Reviewed on: 24th May 2024

Nice company you to deal with

Always very happy dealing with M@S Reviewed on: 30th May 2017

Helpful and friendly customer service, issues with sign up vouchers

I have been very impressed with the M&S credit card which I applied for due to the excellent 18 month 0% interest for purchases and balance transfers. The initial application was swift and easy, however the £30 voucher sign up incentive took over 3 months to arrive. I recently changed my payment to direct debit and this was arranged quickly and easily over the phone by the friendly and helpful customer service helpline. Reviewed on: 13th May 2017

Good customer service

Really good customer service 24/7 and picked up quickly when my card was cloned Reviewed on: 1st May 2017

Diabolical customer care

My husband has an M & S credit card. He recently asked to add myself as a second card holder. Easy you would think. I have lived in the UK for nearly 50 years. I pay taxes, I work, I am registered to vote, I have had my own bank account for over 38 years. No apparently they can't find me so want written proof. And this nugget was given to us after 5 lengthy phone calls. They talk from a script and promise to get back to you but they never do. There customer service team can have limited English skills which make the whole process even more painful. So no joy with M and S - just left feeling frustrated. At least my bank , Lloyds, managed to complete their own security checks and issue my husband a card within 5 working days - look and learn M & S because you have now lost a customer. Reviewed on: 14th March 2017

THE MOIST HELPFUL AND RELIABLE BANK

Whether on line or in store the staff are always very helpful and will always try their best to resolve any quries or issues. Over 30 years of experiences with them so far I have only encounted two not very helpful and pleasant staff. Reviewed on: 12th February 2017

Good extras but make sure you get them!

Appealing joining incentive but I had to chase them to get it, and have had to make several customer complaints since regarding the reward incentive vouchers not tracking properly. Be warned, they take the "customer is always wrong" approach and it takes several emails back and forth before they accept you are right! If you're prepared to do that though there are some good bonuses to be had, especially if you shop in M&S regularly. Reviewed on: 7th February 2017

Helpful, supportive and contactable

Helped with problems, supportive around concerns, listened and provided options to move forward and resolve issues Reviewed on: 2nd February 2017

Brillant shop

Suffering with a long term disabilty I buy a lot of clothing on line from M&S. They are alwys helpful if I had trouble ordering or returning the goods. The staff are polite and will always do their best to help you. Reviewed on: 1st February 2017

M&S consumer rights protection unprofessional

One reason we use credit cards is so that any fraudulent purchases or purchases made and the goods are delivered broken or unfit for use are covered for. Well, certainly not with M&S. They try every conceivable way to come out of their promise to protect consumer rights and make it so cumbersome most of wouldn't have the time to deal with it. Their disputes team can only be reached in India. They take your details and promise to follow it up and that someone will give you a call back within 48 hours but that certainly never happens. Julie Inglis their senior dispute member is a joke I received a luxury high quality garment with broken zips. M&S responded 2 months after I wrote to them, and rather comveniently on 23rd Dec with an absurd answer - by Julie Inglis - and shut the case. I contacted them again and 7 days later am still awaiting a response. Reviewed on: 6th January 2017

Points scheme is great

It's great that you get points on your shopping as well as extra treats occasionally Reviewed on: 19th December 2016

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