M&S Credit Card Reviews 

I am a new account holder. On receiving my Credit card I spoke to M+S requesting an additional card holder. After 20 days of waiting I used the chatbot which was hopeless and passed me to a handler. who started helping me and I was told this is a 10 day process...I raised I had been waiting for 20 days with no update. Then I was told as his shift was ending I would be passed to some one else. I then had to wait again, it was then taken on by another handler but after 55 mins on the chat I asked simply, has the application been accepted/had my card been issued and lost in post? I was told I had to phone security separately. Wasn't transferred and so after an hour I don't know where I stand re the card and possible security issue. Disappointing experience.

I have been with M&S for many years, and use the credit card as much as possible, it’s a great advantage for me when the points earned are given as payments for me to use against my shopping.

Easy app to use. Good regular communication and clear instructions.

0% credit card balance transfer with a competitively priced administration fee. Quick and easy process. Funds transferred within a couple of days. Excellent service from M&S Bank.

The application process was very simple and all further interactions have been straightforward.
I’m loving the rewards element of the card-I have already gathered up over £50 worth of vouchers 💶💵

Excellent service. Applied on Saturday. Approved Sunday. Sorted. It’s not just any bank transfer, it’s….

I appreciate the speed of the offer and transfer. The offer also included clear and full information about the length of the 0% and when amounts will come due. It’s also easy to use the app.

Life-saver during a tough time! Highly recommend.
​I cannot thank M&S Bank enough. I was offered an incredible balance transfer deal right when I needed it most, and it genuinely rescued me from a stressful financial situation.
​I compared their offer with all my other banks and credit cards, and M&S was by far the best and most competitive. The entire process was incredibly smooth, straightforward, and easier to use than any other provider I’ve dealt with. Outstanding service when it mattered most!

All done in a few minutes. Clear instructions

Easy to set up and use, multiple ways to control and worthwhile point system.

M&S are so reliable.
Not had any problems.

I have had my card since 1987 when it was M&S Money. I have always found it very useful and customer service very helpful. The Rewards function is great and worth the £10 a month subscription. I don't think I have ever paid interest as I always clear my balance on time and have never had charges. I use it for large purchases and as an emergency back-up. Definitely recommend. Use it properly and it is an asset.

I tried to log on to my credit card account due to a problem with an online purchase, when I went onto the website (which I haven't logged onto for a few years), I was asked for my passcode which I have never received. I rang customer services, which took 20 minutes to answer, to check my purchases, nothing untoward had gone through so that was fine. The next day I thought I would check again just in case someone had tried to use my card information and rang customer services again at 08.03 another 20 minute wait. The outcome was that I have now cancelled my credit card and a new one is being sent. I still do not know if or when I will receive this pass code so that I can see my account online as I have had nothing in writing to say it has been sent to me. It is so frustrating and I feel that M&S are pushing me to use their app which I do not want to do. Whatever happened to customer service????

I have the credit card is easy to use and the app is so easy to pay different ways to pay on line. Also I use it for Apple Pay 💰

1) M&S credit CANNOTT be contacted by e mail, despite the addresses on the back of the bill.

2) They are NOT available by phone 24hours a day, despite what it says on the back of my bill.

Had to ring their expensive land line to speak to a a customer "service agent".

NOT GOOD ENOUGH and will be cancelling my credit card.

No complaints or issues with my card. Delighted with time frame of 0% interest. Also the extras given throughout the year.

I'm very happy with my credit card but not so keen on the updated app. I preferred the old one which showed clearly exactly what I'd spent.

The Credit Card just works.
Use it mainly for holidays, large purchases and a backup for monthly incidentals.

Nearly every month now items appear on my card statement which I don't recognise. This month it was a transaction at a petrol station in St Albans. I am quite certain that I wasn't in St Albans on the date of the transaction. Every time these erroneous transactions appear, I have to go through the onerous process of contacting the card help desk. Each time my card is stopped and a new card is issued. Receiving a new card might take 7 working days which is a considerable nuisance. M&S bank don't seem to be in the slightest bit interested in fixing the problem.

Ive had my card for years and although we have a pretty poor internet where I live I tend to pay via mobile banking and should I get stuck as our mobile phone connections can be just as bad as the internet there is always someone out there to help.