M&S Credit Card Reviews 2,672

Excellent, no trouble
Accessing the services I wanted and the transaction completed smoothly with no delays. I was informed of timescales and kept updated

I inadvertently closed the website page, but it would not allow me to log in again. I kept on seeing this 'Session Timed Out'.
Even after 4 trys, the same message reappeared. This is most irritating. On any other website including banks, one just needs to log in again with one's username and password.

I did 2 small balance transfers a couple of weeks apart very speedy no hassle very impressed thank you 🙏

Nice easy transfer of balance from another credit card.

The staff, the stores as the high street or flag ship stores stock different 'gear'.
I receive regular emails from M& S, I used their credit card.

App kicks me out every 48 hours then got locked out of account, tried to reset calling only for site to tell me it's still locked got fined £12.00 for missing first ever payment totally unreliable app

Got zero per cent balance tranfer with no problem. Went through very quickly.

Good rate but 12 months would have been excellent onky 9month not that good but better than other cards I'd say

Negative communication sent from M&S to Credit ref agencies.
Agreement says 3% or £5 whichever is higher on statement.
Paid 22.5%, arrived on account (Statement) in good time, 2 days before due.
Good history, paid on time and over % for years.
Account balance Nil when letter arrived.
Beware of this Banking Company
1) Do not have M&S Digital app, tried and would not work
2)Tried customer services by phone, lost over 2 hours trying to get through.
3)could not understand first advisor as garbled and distorted.
Got yet another bill, only 52p owing yet minimum payment £66.67
why have M&S become so unprofessional?

Generally, it’s a useful credit card, points build up & exchange for vouchers.
Paying the account is about to become more difficult as debit card payments will no longer be an option. I tried ‘pay by bank’ each transaction failed, two attempts from the two Banks I have current accounts with, not so good.

I'm happy with my M&S credit card, have had it for some time and no issues to report

This is in addition to the below . I asked for paper statements and they have sent me last months! So I can’t get on the app and they are chasing me for payment when I don’t know how much I owe. Chaotic. Can’t wait to close. I’ve already opened another card with my bank !

The App is the reason I would advise everyone to avoid using M and s money! I could have thrown the phone out of my window with frustration. I changed my phone and the re-registration was impossible. Over and over again I photographed my id , did my selfie and was rejected again and again. By the end, I had forgotten all of my password and codes and even my own blinking name. I will cancel this card as soon as I get into the app. I don’t have time for these fools

Awful experience. No easy way to change payment options, a complicated form needs to be sumbitted with ridiculous information just to amend your direct debit. When you ask when your 0% purchase agreement ends they encourage you to wait for a letter a month or less before the end period as 'notice'. Encouraging people to accidentally pay high interest rates. Awful. Never again.

Very easy to process and understand

I had a problem with a purchase made using my M & S credit card. The retailer was unbelievably bad so I decided to make use of the section 75 protection I had through my credit card (as Main Lewis suggests). I have been fobbed off repeatedly by the customer services team (I am unable to call them or speak to a human) and have been receiving copy and paste replies without anyone reading my actual complaint. I expected better.
Edit:
Social media gets a reply within 24hrs, I have been waiting nearly 2 months for a reply to a simple question, from the actual customer service team... I think this shows where their priorities are.

Was very straightforward to do my balance transfer. Would recommend this credit card

Generally good communication.regular offer updates ,quality product ranges plus free draws ie this month ballet at the Albert hall

Love this app. Applied for a balance transfer in the app and money was in the account the next day. So simple and straightforward to use. By using the app I can keep tabs on my spending. Also, I can see how many months I have left to pay off the remains of the balance transfer. Therefore no late payment charges or nasty surprises. What is not to like?

An easy and straightforward way to use a card.

It’s a bonus that you can save money with the reward vouchers which are issued on a regular basis. My credit limit was reduced when my credit rating was lowered due to a false debt claim by Vodafone. I informed Marks that the rating had been reinstated to excellent and my limit was restored.