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

Name: Credit Card
Rating: 2.98 (179 reviews)

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2.59

Based on 179 reviews, last reviewed 12th May 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

35%

14%

39%

Latest highest rating:

5

A very caring company. A very caring company. If there is a problem it's possible to speak directly to a person instead of going online.In the past I have had reason to cont... Read more Reviewed on: 2nd April 2025

Latest lowest rating:

1

Making it STUPIDLY difficult to sign in without your... Making it STUPIDLY difficult to sign in without your App , constantly pushing you to have the App . I’ve decided I don’t want the credit card now and ... Read more Reviewed on: 12th May 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?

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.

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M&S Bank - Marks and Spencer Credit Card reviews (179)

Absolutely hopeless.

Absolutely hopeless. I stopped using the card for several months as their support although polite is useless. I recently tried to log on and the online help does not help as is the case with their helpline. The unfortunate operator was simply reading from scrpts and had no technical knowledge whatsoever. Reviewed on: 20th September 2024

Credit Card Application Nightmare

This morning, I spent 45 minutes attempting to speak to an advisor at MandS Bank on the following numbers without success: 0800 997 996 0345 600 5860 Whilst I am able to connect to their telephone automated system, each option ultimately requests that I enter my digital banking details? If I was an existing client I would but as a potential customer, it is impossible. I have gone as far as trying to locate an email address and/or on-line form. Such actions have also proven fruitless. Has the whole business world decided that customer, indeed, potential business means nothing these days? All I want to know is whether a Credit Card Plus application has an outcome? Their acknowledgement email (yes they used email) stated that it would take up to 5 working days for an outcome. It has been 6 working days and I really would like to know the outcome of my application at this time. Does anyone know how to make contact or should I jump on a bike and search for ET. Joking aside, this really is not good practice. Future applicants - be warned! Reviewed on: 17th September 2024

Terrible time trying to claim money back under secti...

Terrible time trying to claim money back under section 75. Unhelpful staff who wouldn't let me appeal their decision. Reviewed on: 5th September 2024

Very good product

Very good product not the same as others. Reviewed on: 4th September 2024

Good customer service great at helping me handle my...

Good customer service great at helping me handle my money Reviewed on: 4th September 2024

Unable to speak to a human, unable to use credit car...

Unable to speak to a human, unable to use credit card in a store but can use it elsewhere as a mastercard Reviewed on: 2nd September 2024

It's incredibly difficult to service the account.

It's incredibly difficult to service the account. A small amount can be done on the app, most of it needs a login on the website, and it's not clear how to find anything. I tried to amend my direct debit a month or two after opening the account and was unable to do it. I've just mananged to locate the online form which has required me to download my recent statements and submit a significant amount of information, in order to change the direct debit from the minimum to a fixed amount. Why on earth is this made so difficult? On all other credit cards that I've ever had, this can be amended with a couple of clicks on the website. Enormously frustrating. Reviewed on: 9th August 2024

I have been a long standing customer of m&s,and have...

I have been a long standing customer of m&s,and have used their credit card for most transactions.. My credit card was damaged,and I needed a replacement. That is when the trouble began.. My first phone call enabled me to order a new card.. I phoned a week later to be told that there were delays. A week later when I phoned, I was told that the card had not been ordered. A week later it arrived, and the pin arrived. However there was no PIN number in the little box, although l placed it on white paper. I phoned again,and needless to say no PIN number appeared even when scratched with a coin, and held up to the light. I now have to wait another 5 working days for PIN number to appear. What a terrible service to a loyal customer!! Reviewed on: 4th July 2024

Awful service

I would not recommend M&S credit cards I would not recommend M&S credit cards, l have been with them several years and paid my monthly bills even before the statement arrived,on several occasions when l have had to querie somethings I have found the customer services rude and unhelpful, so l have closed my account,M&S have gone down hill over the years Reviewed on: 18th June 2024

Offered in store, very helpful staff.

Offered in store, very helpful staff. Quick process Reviewed on: 2nd June 2024

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