I am retired and with a very good pension. Their criteria was earn over £10,000 and have a good credit score. I chose M&S because they consider people in retirement. The letter they sent refused my application even though I earn double what was required, have a very good score but they said that I had a late payment on a credit card - which I disagree with. I have a maxed overdraft but never go over and they told me to load Experian which I did and it gave me an excellent score - not good enough for M&S although they said feel free to apply again in a year. Why bother if they say No now they will say No in a year. Can't really work out how and why I did not get it. They did however say they are not ageist - sorry but don't believe that at all.
Reviewed on: 12th November 2018
