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Shaun McCutcheon-Kay (smk123)

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

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Awful, awful. Awful

Avoid at all costs! Their customer service is beyond terrible, in 15 years of having credit accounts I've never had an issue and in 8 months with M and S bank I've had 3 major issues. They are also incredibly cryptic with their payment dates to trick you into getting missed payment charges - my statement was dated January 27th and said my next due date was Feb 19th. I paid on Jan 27th, the second I read the statement. To my surprise I have a missed payment charge, customer service say "oh the statement is issued on the 27th so you have to pay on the 28th onwards for the next statement". I've never know a bank issue statements that request money on a date that falls within the previous month's payment window. I also had an order arrive with 50% of the items missing but they only partially refunded me, so they essentially stole my money after having to fight tooth and nail to even get the refund in the first place. Customer service are the worst of any bank I've used Reviewed on: 23rd February 2023

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