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

Name: Credit Card
Rating: 2.99 (178 reviews)

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2.61

Based on 178 reviews, last reviewed 23rd Apr 2025

No new 5 star reviews

in the past 90 days

33% decrease in 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:

2

Really disatisfied. Not recommended. MS Bank offered me a credit card with a decent ammount of credit. I only used 1/3 of that credit for one time and start making my monthly repayments. ... Read more Reviewed on: 23rd April 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 (178)

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

Every time I try to activate card it doesn’t work.

Every time I try to activate card it doesn’t work. Online customer service was useless to. Fried every frigging browser and method. Reviewed on: 4th January 2025

Appalling service

My wife and I have had M&S credit cards for many years with no problem Then M&S bank lost a payment and bombarded us with threats via letter, text and email. It took us months to prove they were at fault, which they reluctantly and rudely accepted. And then they did it a second time! We asked Archie Norman, the chair of M&S for help, but the answer was even though the bank used the M&S name, and he was their chairman as well, it was nothing to do with M&S!!! In the end we got rid of our M&S credit cards. But even now we are being pursued by M&S bank ( in reality HSBC one of the most corrupt and fined banks in the world) for 76p interest on the payment they lost!!!! Utterly pathetic. Don't go anywhere near them Reviewed on: 6th June 2023

Decent 0% offer, but not a great online experience

Their 0% offer was exceptionally long (at the time), so I was delighted to be accepted for this. But the sheer amount of hoops to jump through to log onto the website, and navigate around, just makes it a pain to work with. I really think with a website more around the Capital One/MBNA style, would make it more appealing and easy to get around! As a result I have just set up a DD, and don't really go on there any more to check statements etc.! Reviewed on: 4th June 2023

Good rewards

The rewards are goof as cash vouchers. Always a trusted brand. Reviewed on: 1st June 2023

Improved app

App has improved since - easy to use and review transactions Reviewed on: 11th April 2023

Jozef

Perfect credit card easy to manage Reviewed on: 11th April 2023

Clothes

Materials and quality is good so I like is clothes Reviewed on: 11th April 2023

Very helpful

Very helpful and friendly very good app good phone service good rates and great to talk to Reviewed on: 6th April 2023

Valuable offers

I like that I get cash back from this credit card Reviewed on: 5th April 2023

Family

M&S bank is very good Bank, There service is very Excellent. Reviewed on: 3rd April 2023

5 stars

Best bank open 7 days a week frendly staff serving customers so quick Reviewed on: 3rd April 2023

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