M&S Credit Card Anmeldelser 

Love that club rewards is now in the app!

I recently got an m&s bank credit card and registered for online banking. I found this really easy and quick to do and I appreciate the anti impersonation check to keep my details secure.

Can't register to activate credit card. App just sends you in a continuous loop with no way to verify. It looks like M&S bank no longer wants me as a customer as if l can't activate the credit card l can't use it or get any benefits from using it anymore. When my old credit card expires that will be it for me. I have used this credit card company for over 30 years so will probably stop buying in M&S as well. Shame app doesn't work for customers.

Woke up one day to my app not working - cant find any information on why this happened, but it says I have another app on my phone that is a risk (nothing has changed), I don't know what app is the problem. Can't pay online without using the app to approve a purchase.
Tried logging in online, somehow locked out, tried resetting my password, says to call their 'automated system' fine, however then find out the start is automated, then you get passed to a customer rep - not 24hrs. Managed to use my card, but it then got locked due to potential fraud, and they text saying they would tell me what to do next - nothing. Called to unlock the account, got passed to another customer service rep who couldnt hear me to reset my password. Can't contact them any other way apparently, everything requires you to be logged in - useless when you can't log in.
My partner had some similar trouble with them, will not use them again once the 0% interest free period ends.

M&S name on the card — HSBC makes the decisions

After more than 20 years with an M&S credit card, I was refused a modest £1,100 credit-limit increase on affordability grounds.

I am retired, declared my income honestly and have a long repayment history. I did not feel the assessment adequately reflected my wider financial circumstances, including savings and investments.

What surprised me most was discovering how much of the decision-making sits with HSBC. The product carries the M&S name, but the lender is HSBC UK Bank plc, trading as M&S Bank.

I complained and took the matter to the Financial Ombudsman Service. The Ombudsman did not uphold my complaint, and I accept that outcome.

However, that doesn’t alter my view as a customer. I found the experience extremely disappointing, and I believe the distinction between the M&S brand and the bank actually making the lending decisions should be much clearer to customers.

After more than 20 years, I will now take my credit-card spending elsewhere.

M&S bank is unfit for purpose. I tried to use the card on my Amazon account and it blocks the payments. I contacted customer service to get them to unblock it and yet they block it again. The credit card is useless. I have now had to use another card with a provider that doesn't block all payments. I am so disappointed with M&S bank and I will be getting a different card provider and will never use M&S bank again.

Easy sign up process and very efficient credit check as well as despatch of card and information. Helpful customer service team too who guide you through any queries. The extensive interest free payment period is a strong offer too. Excellent all round!

Very good Card, Absolutely Love it.

Especially when I get it out to pay a great card, Highly recommend.

M&S make it simple to make a balance transfer, great communication and hassle free. First rate service and everything happens as it should would highly recommend to friends and family.

Very easy and clear to use app always have offers did balance transfer very quick first class very happy with M&S credit card

Excellent credit card.
Thank you.

Not being able to manage your own account direct debit makes using the M&S credit card an absolute nightmare.

I received a letter telling me I needed to make a purchase to keep my account open. Fine. But when I go to check whether my direct debit is still working, the app tells me there is one but to talk to an agent for further information or to make changes. I request to talk to an agent for more informaton but get put through to a bot that doesn't understand what I'm asking it. When I finally get through to a person they tell me that my direct debit wouldn't have been taken because my account is dormant. So if I had made a purchase I risked missing my payment, but the app makes it impossible to see and amend this myself. It's like the system is designed to trip you up. This is not the first time I have run into an issue with the M&S credit card direct debit system. Very frustrating, it's no wonder my account was left dormant.

It is incredibly outdated to require us to speak to an agent for ANY changes to our direct debit. M&S banking systems are a nightmare and not designed for the modern age. Please try to keep up.

Nothing wrong with the card provider but somehow I went for. 0 scam calls before applying for this card to 1 every hour.
I believe this is linked and therefore would not recommend this card unless you are ok answering calls from unknown numbers.

Received my M&S credit card today. Numerous attempts to set up the M&S banking app on my phone. Unable to complete the verification section. Over an hour and numerous failed attempts I cut up my card and called the help desk and cancelled my card. I have several banking apps which work just fine on my phone, M&S app did not work.

Credit card is ok, the app is not. Unintuitive and not user friendly compared with other banking/credit card apps.

I have had my M&S credit card for years, it is so easy to do balance transfers. Fill in the details and it done in a couple of hours. 15 months interest free with a small transger free. Customer service is great, if you haven't got one, get one.

Is it just me or has paying my wife’s M&S credit card become an absolute nightmare. When I have to pay my own credit card, I log in to the app , select make a payment, enter the amount I want to pay , select my saved debit card , enter the security number and voila, payment accepted. When I go to pay my wife’s M&S card , I open the app , select pay my card , then I have to choose which bank I use , log in to my account , then mess about trying to make the payment , then get passed back to M&S , a total nightmare. In future I will only pay over the phone.

Its impossible to speak to anyone. The chat option is a joke. You wait hours for them to respond. I have been trying to make a payment, which is difficult enough anyway without having technical problems too. Would definitely not recommend

Trying to make a payment to my M&S credit card is proving impossible. I made a payment online yesterday on my PC using the M&S payment system, but apparently according to the atrocious Chat Service which I spent over 40 minutes on and then got cut off, they cannot see that the payment was made. It certainly has not gone out of my bank account. Why is the system for paying a credit card so fraught with problems? I have never had any problems paying other credit cards online on my PC. I just want to pay off the balance, but this is proving impossible. I shall be extremely annoyed if I get charged interest because the payment system does not work.