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

Name: Credit Card
Rating: 3.05 (171 reviews)

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2.70

Based on 171 reviews, last reviewed 28th Nov 2024

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

36%

15%

38%

Latest highest rating:

5

Bonus for signing up They accepted me for a 20 month interest free credit card through snoop app. Also got a nice 20£ voucher for applying through snoop.The app is identic... Read more Reviewed on: 28th November 2024

Latest lowest rating:

2

Contacting them is near impossible! Contacting them is near impossible! Their sign in process is too complex. (HSBC based!) App and site are 'Olde-worlde'! Phone contact (eventually) is ... Read more Reviewed on: 20th November 2024

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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.

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M&S Bank - Marks and Spencer Credit Card reviews (171)

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

Bonus coupons unreliable, otherwise ok

They send mailouts 4x per year with additional coupons for bonus reward points offers but they often don't track properly so you have to chase them up, which is a pain. They often don't scan properly instore either, both at staffed and self checkouts. Reviewed on: 28th June 2023

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

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

The WORST credit card I've ever had.

I have a credit card with M&S bank. It's the most frustrating credit card I've ever had. When you want to spend online more times than most you receive a text asking you to confirm you've made the transaction, all fine at this point. On then replying "Yes" you have to go back and re enter all your card details. This would be fine but, on more than one occasion this process has happened m, it has ended up with ordering multiple items, even though I've rang to ask if my order has actually been processed. In order to discuss your credit card on the phone (although you've entered your card details, dob etc) you then get asked (yes I've counted) 6 further questions to pass security! The WORST credit card I've ever had. Try AA credit card they're amazing :0) Reviewed on: 22nd August 2020

Declined

well I own my own home, one credit card always paid on time no debt and got refused for a balance transfer no idea what the criteria is but wow wish I looked more into it before I applied judging by reviews. What do i need to do to get one of these entice you in then refuse Reviewed on: 30th July 2020

Great Credit Card

Moved to M&S Bank a few years ago. Never had any problems. Reviewed on: 17th July 2020

Age Discrimination

Waiting over 100 days for M & S bank to respond to a chargeback request for a cancelled holiday. They are not sympathetic or helpful to elderly customers. Please don't use M & S if you're not 100% tech savvy. Reviewed on: 16th July 2020

Excellent service

Someone was using my card fraudulently and M&S team sopped it and managed to alert me. They managed to stop a number of the transactions and I am very grateful for their quick and observant action!! Reviewed on: 12th July 2020

BRILLANT

I am am impressed by the quick action of the M& S team when they noticed discrepancy son my Credit Card. Someone was using my card to purchase expensive items which I was not aware. I am very grateful for their quick action Reviewed on: 12th July 2020

Safe and Secure

I have every confidence in the M and S Credit Card. I have held it for 5 years without problem and good currency rates fro their Bureau Du Change. Reviewed on: 11th July 2020

They need to sort out their IT DEPT

Sent a online banking pass, will not let me log in, spoke to various people, one man twice each time 3/4hr, said he would ring me back in 48hrs, HA HA its 96hrs now, Thry need to sort out their IT dept, thinking of cancelling this one and go elsewhere USELESS. Reviewed on: 20th June 2020

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