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

Name: Credit Card
Rating: 3.03 (186 reviews)

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2.70

Based on 186 reviews, last reviewed 20th Jun 2025

600% increase in 5 star reviews

in the past 90 days

33% increase in 1 star reviews

in the past 90 days

36%

13%

40%

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

Shocking service I’ve held an M&S credit card for years but will give it up now due to terrible customer service. Resolution procedure seems to have been shipped to As... Read more Reviewed on: 20th June 2025

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M&S Bank - Marks and Spencer Credit Card reviews (186)

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

marks and spencer rewards

Really good customer service. I phoned them as a hotel had charged me twice for same night stay. Very quickly resolved. Only had to fill in one form and everything sorted out very quickly. Love getting the reward vouchers through with long expiry dates. Always saved up for christmas. Reviewed on: 24th December 2015

Others are much better

Dreadful phone staff barely speak let alone understand English, couldn't read security questions correctly thus saying I had wrong answers. That was a first! and unacceptable. Archaic bank policies to a couple who have shared accounts for 55 years and only bank USA or UK that will not let husband give permission to speak to wife who has handled the fiscals, again for 55 years. When others are so much better, why bother with this dinosaur? As for the app and website; a mix of archaic and ok, but you have to go to website to get your bill due date! It is not on statement (that's unheard of) nor on the app. With Waitrose going to New Day (the worst no go of all) and M+S being sub optimal, am trying Tesco which was easy to get with a high credit limit, up to date website and app and very quick to pay, so far so good. Reviewed on: 6th October 2022

Rubbish services & rubbish app!

Rubbish services & rubbish app! They will spam your e-mail address with offers, but they don't bother to send notifications if your request has been approved or not, and you can not check these sorts of messages in the app because they don't have it. You need to check the secure messages in the internet banking. This is their spill to do money from fees! But this stupid way of treating customers is the best way to know with whom you deal and avoid them for future needs! Reviewed on: 13th September 2022

It's not just terrible customer service it's serrible M&S customer service!!

It's not just terrible customer service it's serrible M&S customer service!! It should be amusing but really isn't. M&S you are an absolute disaster area when it comes es to customer service and satisfaction. Why do you have an app that doesn't work? Reviewed on: 12th September 2022

Awful

App is complicated, credit card activation needed four phones, a team of people and a PHD. Only to find the wont allow balance transfer from NEXT directory which was the whole reason for applying. You would think that would be in the info whilst applying. God awful service .Stay away Reviewed on: 11th September 2022

Unbelievable poor service

Been a customer for over 10 years. Always paid balance off in full. Never had to question a transaction or cancel my card from loss or theft. They hamper 1 in 10 transactions in the last 12 months asking me to confirm via the app which rarely works. Absolute crap! Reviewed on: 7th September 2022

HSBC Behind M & S unable to effect direct debit

3 months ago I took out an M & S credit card. I did this on-line and completed my direct debit details to pay all owed. Since then I have had nothing at all taken from my bank and only yesterday someone informed of a problem. I checked all the account details which are correct. In the torturous course of me dealings I have had 3/4 phonecalls all promising all was OK, the direct debit would take effect after their intervention. Each time after saying all now OK failure and I have had to make payments each time. What I have asked for is precisely why payments have not gone through. HSBC run things in the background. I have heard that others have had similar problems. HSBC/M&S/M&S customer care employees get a -6 from me. So many times I have spoken to employees and have wasted an awful lot of time and have paid money I needn't have had to pay for this is grossly inefficient. Reviewed on: 24th August 2022

Why is it so hard to move from paper statements to the App??

I have had enough of trying to register and I have wasted so much time on this! Reviewed on: 9th May 2022

Like the Crystal Maze

A ridiculously complicated system that I've pretty much given up on after one whole month of using my credit card. Use this number, log into that, type in that number, turn this on, turn that on, add a different number etc etc etc. It's just a hassle and a stress. Don't bother. Reviewed on: 4th April 2022

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

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