Keep the Barclays account and take the M&s loan.
Barclays or anybody else don't have to lend to you - the fact that you had another company's card rather than Barclaycard may have gone against you.
M&s saw that you had paid off their card and were prepared to lend to you again. Barclays may not have had that option.
Reviewed on: 8th April 2015
