M&S Credit Card Reviews 2,671

Sadly I was disappointed in M&S banking services. I spent a long time trying to payoff my credit card and then found it had not gone through and was given a late charge.

Needless to say I have now paid the entire amount off and won’t be using it again

The money wasn't transferred to its original destination and still waiting for it to be resolved

M&S Credit card is great.

It’s so easy to track your spending and stay in control of your money.

Customer service is also very good.
10 out of 10 for me.

Have been using the M & S credit card for a number of years and I use it for all my shopping. I love being able to collect the reward points towards things at Marks and Spencer and also being a member of premium club I get coffee vouchers and various money off vouchers through out the year! What’s not to love ❤️

No problems doses what it says on the Tin

Very small credit limit & got refused an increase even though I make several payments each month! I cannot understand why this would be. My credit score is extremely high.

We always use our M&S credit. We shop at M&S all the time. We get point vouchers for money to use when we go shopping there. We we enjoyed using when buying clothes

Excellent service as the balance transfer was so quick and easy to do. The transfer fees were also reasonable.

Its hard even to justify one star to be honest given the repeatedly poor customer service offered.

The basic problem was I had not received my vouchers which you receive quarterly from M&S. These were due in April. I was away on holiday which is way I hadn't chased before this date.

Day one I rang and explained the situation and Amber said she would investigate. Whilst I was on the phone for another 15 mins listening to awful music she said the department had closed so she would follow up the following day. The first question is why she wasn't aware of the other departments opening hours which would have saved both of us an unnecessary waste of time on the phone? Amber had gone through security questions so she had my telephone number on file.

Day 2
Amber rang and left a voice note to call her back on my husbands telephone number. There was no number or extension contact just call on the number I phoned yesterday. Why ring on the wrong persons phone and not have the courtesy to ring back rather than expect the customer to hunt her down?

I rang the same number and another person answered the phone who didn't have a clue who Amber was in the team. After more security questions I was asked to explain the problem from scratch AGAIN. This operator had excessive issues trying to find any details from my elongated telephone call yesterday and over 30 mins later she said she would attempt to put me through. Another 10 mins pass and she says there is a delay as the phones are busy and suggests I ring the number direct myself. The number she gave me was exactly the same number I telephoned her on!
I am sorry to say this operator was really out of her depth and simply did not have enough knowledge and probably training to manage this situation at all. I would also suggest this made it significantly worse.

I rang off and started again by which time we had been talking for hours on the telephone to sort the problem out.

It simply begs the question if the few cups of coffee and a small bonus throughout the year is worth paying £10 a month for given the inconvenience it causes when you have a query.

This service has changed alot over the years where you now get significantly less than you did when you first signed up. For all these reasons I would strongly advise any new customer considering this service should think again. There are better options than this out there where customer service actually means something.
UPDATE FOLLOWING MY REVIEW FROM M&S

M&S suggested I contact the very same department I contacted originally is at best laughable. I have already wasted several hours trying to sort the problem out so I am unlikely to want to add to that again.
Once again you missed a trick and could have lifted the telephone and spoke to me directly. If Social Media staff are going to avert or try and dampen down a review they also need to lift their game.

I've just received a text purporting to be from M&S (I'm not sure how you are supposed to tell if it's genuine) saying my card had been blocked due to a potentially fraudulent transaction. I phoned the Fraud Department immediately and it was genuine so they get three stars for stopping the fraud. However, the department is not based in the UK and the person I was dealing with had a strong Asian accent. I'm very hard of hearing so I asked her to slow down and speak clearly. She didn't and everything had to be repeated to me at least twice so that I could understand what she was saying. I found this extremely stressful. It's about time this issue was addressed by M&S as it's not the first time I've had to bring this to their attention. It's especially important if you are dealing with potential or actual fraud when everyone involved needs to be clearly understood. Now a wait of several days before new card arrives.

First of all, STOP with the foreign call centres. Struggling to understand someone when dealing with financial issues is not acceptable anymore. Secondly, don't send people emails with links to click! That in itself is so irresponsible

Applied for an M&S credit card for a pre-wedding purchase - approved on 19 April, and still no sign of the card.

After several calls and a range of contradictory updates, I was told a replacement would be sent via “express” delivery… which apparently still takes 5 working days.

At this point, I can only assume M&S sends its cards by donkeys - since every other bank I’ve used manages delivery within three working days.

With the wedding next week, I’ll need to find an alternative. Naturally, the promotional window tied to the purchase has now expired.

I have only had the card a short while. I really like how I can access my statement online instantly. Another amazing feature I really like is how I get a notification for every transaction that goes on my card, a great way to keep an eye on my card security.
Another great feature is for everything I spend on the card I get rewarded with points to spend with M&S. Win Win!!

It was so simple and easy to do on the APP.

Ease of obtaining card type I wanted. App/Online site easy to use and navigate.
Card held for a couple of months now and no issues to date with card purchases and payments made.
Overall, entirely satisfied.

The process was straightforward and stress free. Any dealings I have had to contact M & S Bank for have been resolved quickly and easily .

Very clear application process for credit card, being approved and delivered within a couple of weeks.
Straight forward to start using card, and now loaded onto Apple Pay

The balance transfer was so simple and easy to do and was agreed and paid the same day at a reasonable cost. As always it could have been cheaper but was a great service.
Many thanks.

Was offered a great balance transfer deal, so used it to fund a large purchase. It was quick and easy to do.