M&S Credit Card Anmeldelser 

I have been with M&S credit card since they first started – although I am 88 years of age (been on line since 1981 – the days of Alan Sugar!) I spend quite a considerable amount monthly as I own a large property with equally large bills. I do not wait for an M&S bill to pay but do so usually on line within 24 hours of using card. In other words I have never needed to pay interest – always up to date! Must state the last year has been a nightmare – initially could not use my card atall – tried for number of months to report same on chatline,Email without success. On doing so, as I am deaf, found it difficult but did manage eventually to obtain a renewal with new pin in place. Since that time M&S refused to allow me to use the card for large bills e.g. car insurance, holidays etc plus of late it appears cannot take advantage of the physical contactless transaction £100 purchase at Tesco where I have shopped for past 42 years! I have to use my pin and on my return home requested by M&S to make a further telephone call?
It seems to me having spent with this company, in my prime, for very many years, any loyalty towards me in my old age is fastly disappearing? Sympathetic cashiers where ever agree they come across it on a daily basis when ever the elderly are involved - I do find it humiliating - very sad!

I've applied for a loan with M&S bank and the interest I was given initially changed when I received my agreement.I received by post 2 letters with 2 different agreement numbers.I called in call center to ask for an explanation and I was assisted by the most unpolite and childish person I was ever in contact with when asking for a service. The lady answered my call with a childish voice "helooooo" and instead of words she mainly used "mhmhmh". She was not able to explain why I have 2 agreement numbers, instead she hang up.I will never use this bank again👎

Just like Bhavna Parma review of 18 August - almost identical experience. Tried to open a credit card account. Downloaded the app and completely failed to complete registration process - kept rejecting the given security code. Eventually rang the number on the credit card and a gentleman from the Philippines tried to help but wanted me to try the app again - that would have made five times so I gave up. The customer service was so bad I thought it must be run by Lloyds Bank but no it is HSBC - like Lloyds they have no idea of how to serve customers and wedded to awful chatbots that just send the customer round in circles. Avoid.

Seamless and easy balance transfer. All sorted in a couple of hours.

This used to have great customer service. However there is no customer service at all now.
I recently had a shopping delivery cancelled because I did not respond to a text sent at 3.00am for me to verify it. My card was also suspended because I did not respond. When I phoned when I woke up I had a really difficult time sorting it out because of the lack of an English speaking person to whom to speak. Eventually it was sorted and I was told - "card will be available within two hours and then they can send your shopping. Seriously? Do not be ridiculous of course it will not just be sent it all has to be re-booked.

In the last few days I have tried to contact someone again because despite paying more than the statement amount in the last two months way before the direct debit was due, a direct debit has still been taken. Knowing the difficulty of trying to contact by phone I tried to write to M&S customer services - they could not help and gave me a phone number so I asked for an e-mail address instead. The result was a message left on my phone - completely unintelligible apart from hearing MandS. I got someone else to listen and they also could not understand. I tried to use the chat again and as happened a few days ago, I was told I needed to be signed in - I already was signed in. I tried to say this but it was not accepted by the BOT who referred me to the contact pages and closed the chat. So the option is apparently to write a letter by snail mail. I am guessing it is all deliberate to avoid complaints getting through.

Nice reply - shame it does not help. Firstly my payments were made a full week prior to the due date b y bank transfer and I checked and they were registered on my account. Secondly the BOT would not allow any answers at all and I tried several times with the same result. As for calling customer services - please let us know when there is someone there with whom we can easily communicate and it might work. Or try and be decent and have a contact form online or a chat which allows you to type in that you are logged in and will then follow up your issue.

It was very easy to do, my transfer took around a day, and very good price too

I really like M&S Bank, I have found them to be most accommodating in many ways.
Their 0% Balance Transfer interest rates are very good as well. Also, their Fees on Balance Transfer are very competitive.

Got my M&S credit card, have been trying to verify my identity on the app for 3 days now. Nothing seems to work!!! Called them who basically were useless & couldn’t help me, I would have to keep trying on the app. I am ready to throw the towel in. Would be nice if there was someone that could help me with this…

App is user friendly. Simple process to arrange balance transfer. Highly recommended

Made a transfer of an existing credit balance to my M & S card. So easy to navigate the app and arrange this !
Took me about two minutes.
Thank you for making the app so simple to use 😊

Excellent and quick very helpful

I wish they would send an email reminder for the monthly payment. I'm always worried my payment could be late. Also, I wish payment could be made via a debit card as idont use a banking app.Overall, it's not the best card ever purely based on paying your statement.

I find my M&S Credit card excellent no problems whatsoever very convenient to use, I use my card for every shopping which is much easier than using a debit card as you can see better & control your spending.

Reducing my limit faster than i can pay it off. Im paying 2000 per month.
M&s are reducing my max limit every month so im always over 50% borrowing. Which affects my credit score.
If you going to offer 0% promotions then let the customer know what your going to do.
I will take this to the finacial obudsman

Truly cannot understand why M&S make EVERYTHING they do so bloody awful. This credit card has to be the worst system ever invented. They do not allow a sign in with a password and OTP instead insisting on their bloody app generating a code. Well they can get stuffed. I will pay up this month and they can stick their card where the sun doesn't shine. They make contact almost impossible too. The reply from M&S is just indicative of how arrogant they are. They would rather just tell someone how wonderful they are, than actually try to sort out a problem for a customer so that they can continue being a customer. Says it all really

On Thursday 23 july scamers tried to get over £2000 goods online with my card details, and I got a phone call from them saying they were the fraud team at Ms,checking it out and they kept asking for my pin number, i got intouch with Ms on the phone, to explain about it and check that the scamers had failed, waste of time, I was told that the real fraud team would contact me today is the 17th August and still waiting????

Utterly awful. Received card, tried to register, says we don't have contact details for you, reverts back to the same screen. Tried to call, you just register/activate in the app, no options. Used live chat, you must log in to speak to an agent, can't log in as they won't let me register.

I have had multiple credit cards, never know such a farce. Other companies just sent you a code to your phone and email and away you go.

Useless. Cancelling.

This is the most stupid credit card I’ve ever had. They basically offer you a big balance which you can not use because of their useless fraud team. Took this card out for home improvements, made a couple of payments £100-£200 each with it, no issues. When I tried to buy a washing machine from Amazon they were keep declining my transaction regardless the fact that I was approving the transaction myself in the app. Called them and they’ve suspended my card without any reason “while they investigate”. The “team” which investigates don’t work weekends and my card has been suspended Thursday, here we go, is Saturday and now I’m still waiting until Monday at least to receive a phone call back from that mysterious team in relation to why my card has been suspended. I could not progress with my home improvements and lost £500 for their stupidity because I had a works man waiting to put laminate flooring in my flat but I couldn’t buy the laminate flooring as my card was disabled.

I called numerous times Friday and passed their security all the time, all sorts of questions about everything, relentless, nothing changed, just out of funds because of a stupid system.

I’ve got credit cards with all major banks, no issues whatsoever, this is the only time when a “bank” suspends my card without any reason.

Avoid at all cost and take a credit card from a real bank if possible.