Write a review

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

Name: Credit Card
Rating: 3.05 (171 reviews)

View other M&S Bank - Marks and Spencer products

2.74

Based on 171 reviews, last reviewed 28th Nov 2024

100% increase in 5 star reviews

in the past 90 days

100% decrease 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

Read all reviews See your review

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?

Smart Money People is the UK’s largest financial services review site. Together, we can make financial services work better for everyone. Read or write an M&S credit card review below.

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

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

Good but need improvement

Good but need improvement.variety is short and expensive. Reviewed on: 18th May 2024

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 identical with HSBC app...which is not a bad thing. Had no problems with the PIN, notifications and registering my credit card Reviewed on: 28th November 2024

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 with Manilla - charming people but no clue about how M&S cards work Reviewed on: 20th November 2024

Absolutely hopeless.

Absolutely hopeless. I stopped using the card for several months as their support although polite is useless. I recently tried to log on and the online help does not help as is the case with their helpline. The unfortunate operator was simply reading from scrpts and had no technical knowledge whatsoever. Reviewed on: 20th September 2024

Credit Card Application Nightmare

This morning, I spent 45 minutes attempting to speak to an advisor at MandS Bank on the following numbers without success: 0800 997 996 0345 600 5860 Whilst I am able to connect to their telephone automated system, each option ultimately requests that I enter my digital banking details? If I was an existing client I would but as a potential customer, it is impossible. I have gone as far as trying to locate an email address and/or on-line form. Such actions have also proven fruitless. Has the whole business world decided that customer, indeed, potential business means nothing these days? All I want to know is whether a Credit Card Plus application has an outcome? Their acknowledgement email (yes they used email) stated that it would take up to 5 working days for an outcome. It has been 6 working days and I really would like to know the outcome of my application at this time. Does anyone know how to make contact or should I jump on a bike and search for ET. Joking aside, this really is not good practice. Future applicants - be warned! Reviewed on: 17th September 2024

Terrible time trying to claim money back under secti...

Terrible time trying to claim money back under section 75. Unhelpful staff who wouldn't let me appeal their decision. Reviewed on: 5th September 2024

Very good product

Very good product not the same as others. Reviewed on: 4th September 2024

Good customer service great at helping me handle my...

Good customer service great at helping me handle my money Reviewed on: 4th September 2024

Unable to speak to a human, unable to use credit car...

Unable to speak to a human, unable to use credit card in a store but can use it elsewhere as a mastercard Reviewed on: 2nd September 2024

It's incredibly difficult to service the account.

It's incredibly difficult to service the account. A small amount can be done on the app, most of it needs a login on the website, and it's not clear how to find anything. I tried to amend my direct debit a month or two after opening the account and was unable to do it. I've just mananged to locate the online form which has required me to download my recent statements and submit a significant amount of information, in order to change the direct debit from the minimum to a fixed amount. Why on earth is this made so difficult? On all other credit cards that I've ever had, this can be amended with a couple of clicks on the website. Enormously frustrating. Reviewed on: 9th August 2024

I have been a long standing customer of m&s,and have...

I have been a long standing customer of m&s,and have used their credit card for most transactions.. My credit card was damaged,and I needed a replacement. That is when the trouble began.. My first phone call enabled me to order a new card.. I phoned a week later to be told that there were delays. A week later when I phoned, I was told that the card had not been ordered. A week later it arrived, and the pin arrived. However there was no PIN number in the little box, although l placed it on white paper. I phoned again,and needless to say no PIN number appeared even when scratched with a coin, and held up to the light. I now have to wait another 5 working days for PIN number to appear. What a terrible service to a loyal customer!! Reviewed on: 4th July 2024

Do you have a different M&S Bank - Marks and Spencer product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

There's still more to see!

M&S Bank - Marks and Spencer has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub