M&S Credit Card Anmeldelser 

I previously wrote a review about my credit card from M&S. I highlighted that my credit limit was held at £500 , which I initially set, although when I wanted to Increase to pay my car insurance, I was advised this is not possible within a 6 month time frame. After my review and speaking about the warning I recieved - they will bill me if I go over my limit, I recieved a reply from M&S saying they ( don’t charge if your over the limit) - below is the text message they sent me…

We're letting you know you've used over 90% of your credit limit on card number ending **** and a fee may be charged if you exceed £500.

(So this message which I recieved from M&S I’ve pasted and removed my card number -this must not be real because apparently M&S don’t charge if you’re over your limit, although the text message from them says otherwise.
If M&S want to “strive for better”, they should firstly, not make threats like this.

secondly they shouldn’t suggest the customer is a liar, when they have a paper trail from M&S making such threats.

For clarification I put my annual car insurance onto my credit card. Thankfully it fit within my £500 limit, not unreasonable or lavish spending, but their rigidity isn’t good, especially when the card is being used practically to pay an important bill.

Trying to make me out to be a liar is a different story, completely unacceptable. They are not a patch on Barclay.

Beware taking out Marks and Spencer Club Rewards scheme membership. It appears good value at £10 per month with over £125 of money off vouchers and other perks. BUT if you use the vouchers and decide to return the item ordered because it is of low quality etc. you will not be refunded the voucher to use again. So the value of the scheme degrades quickly if you order things that don't fit. Additionally when I rang to query why the voucher wasn't refunded I was dealt with by a dreadful arrogant customer service person (non UK based). They talked over me throughout the conversation, did not answer my questions, treated me like an irritating child and did not send the email I needed to find out how to cancel my Club Rewards membership

I took a significant vehicle loan with M&S bank. The setting up of the loan was easy. Administering it was a nightmare.
I was dealing with none UK based call centres; you are on long holding times to speak to them; the app doesn't work with my 3 year old Huawei phone and online loan management is not possible via laptop.
I've paid it off early, via a new loan with tesco, who I should have used from the outset. Never again and very disappointed

Absolutely awful! Paying my credit card used to be so easy online but now .... I have to jump through so many hoops just to make a payment - and supposedly down to 'security'! If everyone else can make life simple why not M & S! I would certainly not recommend getting one of their credit cards now with all the changes they have made. I tried paying by phone only to go through all the questions and then be told our lines are closed!! Definately NOT RECOMMEDED!!

Good card to use. Good company with a Global reputation . So to be expected the help I received was exceptional.

Well Done M and S 😀

I applied for an M&S card for my wife on August 13th 2026
I still haven't recieved a card, yet I'm told that I have been sent 3 cards through the post none of which I have received.
That means that I have had 6 items of mail go missing in the post, bearing in mind the Pin Numbers come under separate cover...
I've spoken with Royal mail fraud and they categorically deny any such thing could have happened, almost indicating that it is highly unlikely.
I've spoken to your helpline on 8 occassions and the last communication Sept 10th, I was assured by one if your operatives that I would receive a call back on the 22nd Sep ...
I have received no such call.
I called and cancelled the whole transaction...
Also I have an extant M&S card on my credit record, which i do not possess.
I don't like this form of communication but, i have not been able to find anywhere on your website to lodge a complaint.
Im not even sure if my cancellation of the process has been carried out, as I've recieved no notification whatsoever of thus happening regardless of me providing email and home numbers.

I applied for an interest free balance transfer. The process was simple and straightforward, the decision was super fast and the whole process went smoothly and simply. I am well pleased and would fully recommend m&s for a balance transfer.

Great card very easy to use and plenty of benefits come handy when shopping in marks

I highly recommend the M&S Credit Card. They offer excellent balance transfer rates, and their online banking software is incredibly intuitive and easy to navigate. Overall, a very smooth and positive experience!

I asked for a balance transfer to my card. I got a very rate nd payment window than other cards.
Easy to transfer and as I use the app, the whole experience was positive

The transfer was very simple, the agent was polite and explained the proceedure simply and exact. I knew what was happening from start to finish, I wish the term could have been for 24months not 12 monhths but I understand why its 12 months because of my age but I thank M & S for thier help.

M&S Credit Card is one of the most straight forward cards that I know. It does exactly what it promises, and in a believable, reliable and simple manner. I really depend on it.

Received a transfer offer at very reasonable rate. Transfer was done quick and efficient fully completed in 2 days. Transaction on app easy to understand.

My balance transfers were processed quickly and easily with no hassle. Top notch experience 👌

Responsible lender and love the app. To check credit card on. Well worth £10 monthly fee to link with M& S Rewards Club , in the first month I received £25 off home beauty or clothing and coffee vouchers . Got a good 0% interest on a balance transfer and any additional purchase for 9 months . Interest rate thereafter not bad . Highly recommend . Smooth process from application to being approved and receiving my card

So quick and easy to complete the balance transfer, reasonable charges. Love it!

Prompt reliable company who met expectations. A name synonymous with quality and trust.

32yo with an excellent credit score with all 3 providers, stable job, additional rate tax payer, single, no debt.

Applied for a personal loan on their website for a used EV because their promotional APR is the best (5.9%).

They lead me on for a full week, sent an SMS saying I was approved, asked that I upload a payslip, left a hard search on my credit score, congratulated me and invited me to sign, just for THEN to casually mention on the SECOND page of the contract that my APR would be a 13.9% payday loan shark equivalent. Just when I was signing.

Cheers lads, a week wasted, Barclays would have given the money same day at 6.8%

carry on registering the credit card
finally after renewing my passport was able to do so
then was locked out
on phone after going through hoops you finally get someone who sounds robotic going on and on about M&S security and terms and conditions then telling me to try again using my password
whole point was i forgot my password
no luck
long story short after using card a few times decided to cancel it
again went through hoops to finally get someone please cancel card i no longer use
couple of weeks later gets text "your account is now cancelled" no letter
i will stick to my bank in future

Very happy with the easy and straightforward process to transfer my balance