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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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2.60

Based on 178 reviews, last reviewed 5th Apr 2025

No new 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

35%

14%

40%

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

Disappointed as a long- term customer I recently fell foul of the dreaded terms and conditions. I bought some travel money online and used Applepay (on which my M&S card is the most used) ... Read more Reviewed on: 5th 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 repaym...

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M&S Bank - Marks and Spencer Credit Card reviews (178)

Lack of customer support

Terrible. Hopeless App. Inept support team. Card cut up! Reviewed on: 25th February 2022

complete savings £15.00 on statement

I have no idea what this is for. Is it a one off payment? or monthly or yearly. I have not signed up for this, and have now cancelled the M & S credit card. Reviewed on: 23rd February 2022

Disgusted

My Father died nearly a year ago. I phoned up to explain and was reassured that they would make sure deceased were put on his record and no further letters sent out. He wasn't in debt at all but my mum continues to receive letters asking him if he wishes to use his credit card. Absolutely disgusted. Reviewed on: 17th January 2022

Issue with a credit which has been treated as debit

Very poor customer service. Took age to set up the system for online banking - first call on hold for 45 mins and second time another 15 both of them not helpful - would not recommend at all Reviewed on: 10th January 2022

Endless problems trying to log on to view statement

I have experienced endless problems for days with logging into M&S internet banking to view my monthly statements despite knowing passwords. I use the physical M&S Pass as I prefer not to have endless apps on my phone in case I lose it again. I've managed to get the code via the M&S Pass but when I enter it, it comes up Bad Request and signs me out. Also experienced a "fail" sign coming up on the M&S Pass despite putting in correct code. Trying to get help by... Reviewed on: 21st July 2021

My life savers

Money transfer to make more manageable payments Reviewed on: 17th June 2021

The best way to control your money

I put all of my expenses as much as possible on my M&S Credit card and I can keep track of it by the M&S App and then you have about 5 weeks grace before I then pay it all off from by private bank account - it is an ideal way of managing your money as long as you pay it all off every month. It works for me and it is great. Reviewed on: 11th April 2021

Always there for us

M & S Bank have always been very helpful, friendly courteous Reviewed on: 21st March 2021

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... Reviewed on: 20th January 2021

appalling customer services

Disputed a transaction for a holiday cancelled due to coronovirus and 3 months after lodging dispute and sending their form back three times and they cant even find it.useless going back to Barclaycard who are amazing Reviewed on: 7th October 2020

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