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

Name: Credit Card
Rating: 3.04 (184 reviews)

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2.73

Based on 184 reviews, last reviewed 13th Jun 2025

600% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

14%

39%

Latest highest rating:

5

Never had any problems and the rewards are good Never had any problems using their credit card and enjoy spending the rewards Reviewed on: 13th June 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?

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M&S Bank - Marks and Spencer Credit Card reviews (184)

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

Very deceitful

It started when I was trying to obtain a replacement card as I had my wallet stolen from a supermarket. I do not use the card as it was used as a zero balance transfer. I suspect that this is why they are just not sending me a replacement card. I have tried several phone calls, asking for copies of transcripts of conversation, copies of statements and of course replacement cards. Nothing as happened. I received nothing over then my DD had been stopped, which I did stop to see if I got a response, well surprise surprise I did. I did stop the DD because my bank account had been compromised, showing fraudulent access, so had to change the account. Since i had no card or account details I could do nothing on line other than contact them by phone. So I could not even register to use their on line service. Having made several calls, I still have not received anything. I then got an email stating that "the postal service has returned undelivered mail, stating you no longer live at the address." which of course is a load of rubbish. Especially when they can send me letters such as my DD stopped, new mandate letter to setup a DD, they got through ok. I am exhausted fighting this so I am just paying the balance off but their customer service is zero stars. I bit like they smile to your face but stab you in the back. Wont even go to any M&S again in my life. Disgusting company. I wonder if this gets published, lets hope so. Update 26/01/2021 - Just received a note that royal mail has returned my mail, strange things is that I got this notification via the royal mail. Anyway, I have now paid off the account and closed it. No change to me giving them the lowest score I can. Reviewed on: 20th January 2021

Useless

I got a credit card from M&S 3 months ago and since last week i tried to do a balance transfer and the customer service doesnt say if it is approved or not. i contacted the online chat and they said it was declined for a reason but noone contacted me. Again on Monday i tried and did the correct method and still nothing. i will cancel the credit card as there is no use to have a card that you cant use. M&S did a bad job with this, they should go back to selling clothes and exepnsive sandwishes :S Reviewed on: 24th March 2023

Wonderful service

I have been with them for five years now, great interest rate, and wonderful service Reviewed on: 23rd March 2023

good card

Reliable service, reward points are a handy bonus too. Reviewed on: 10th March 2023

Awful, awful. Awful

Avoid at all costs! Their customer service is beyond terrible, in 15 years of having credit accounts I've never had an issue and in 8 months with M and S bank I've had 3 major issues. They are also incredibly cryptic with their payment dates to trick you into getting missed payment charges - my statement was dated January 27th and said my next due date was Feb 19th. I paid on Jan 27th, the second I read the statement. To my surprise I have a missed payment charge, customer service say "oh the statement is issued on the 27th so you have to pay on the 28th onwards for the next statement". I've never know a bank issue statements that request money on a date that falls within the previous month's payment window. I also had an order arrive with 50% of the items missing but they only partially refunded me, so they essentially stole my money after having to fight tooth and nail to even get the refund in the first place. Customer service are the worst of any bank I've used Reviewed on: 23rd February 2023

I am still waiting

I applied for an M&S credit card and almost a month later I am still waiting! I have no debts so it should be straightforward but after calling the customer service multiple times and waiting for 40 to talk to a call centre manger, nothing. I found this review page out of curiosity If there are other ones like me which proved that they are. I have already applied for another one if ever this arrives it will not be activated. DO NOT APPLY FOR THIS CARD !! Your bank people are hopeless call centre employees! Reviewed on: 22nd February 2023

Trustworthy

0% Balance Transfer card that delivers on its promises. Reviewed on: 17th February 2023

Transaction tracking and rewards

The app shows clear transactions and provides notifications pop ups when a purchase made so yo can track spends and watch out for unauthorized transactions. Also provides rewards points on spends which then turn to vouchers to spend towards your m&s shopping Reviewed on: 10th January 2023

M&S Credit card - hard to register in app, Customer Service hard to understand

Really difficult getting the card set up on the app. Told me to do one thing then locked me out and told me to call Customer Service - spend 45 mins calling and talking to them - getting cut off several times. Told me to download the app set up DD-s but you can't. Reviewed on: 10th January 2023

SHOCKING!!!!

Took ages to navigate through the app , locked me out when I tried to pay , nightmare , I'm closing it and going elsewhere, worst app out there. Reviewed on: 18th December 2022

Consistent issues and horrible to deal with

I wish I'd read the reviews before I got this card. I rarely use it because every time I do, issues happen. The app is shocking and the functionality is horrible, badly lacking and old fashioned. Every time there is an issue their chat function is so slow but doesn't have the option for a notification of their reply - if they ever reply. Their phone line is answered fairly quickly but the staff there are not really empowered to make any kind of decisions and honestly it would be easier to do it myself if only the functionality was there. Reviewed on: 16th December 2022

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