M&S Credit Card Reviews 

What's not to like, very east application process and the app is excellent to keep a track of what you have spent. Highly recommend.

Easy and straightforward

The speed and ease of doing a transfer.
No hitches, no glitches. Just quickly complete the transfer form and done.
A fair rate, in my opinion, compared to other banks.
It was easy, quick and I was kept up to speed with the progress.
A really great service.

Simple straightforward and no problem at all, it was easy to do

I am a very new customer to M&S Bank but have experienced great service whilst setting up my account and a balance transfer. Online banking is simple and clear and I receive regular and useful notifications from the bank.

I did a balance transfer and it was so easy and done and dusted in 2 days!

Balance transfer offered are really good and very competitive. The app is very easy to use. I've had my account for some time now and never had any issues.

When unexpected expenses arise, M&S credit card provides reliable financial support.

Excellent Service Highly recommended

Fantastic service easy to do

Tried to change my address. 35 minutes on the phone. No one answered just offered banking apps et etc. I just wanted to speak to a PERSON. Gave up and called the List and Stolen
number. Then I got a person. Tried their best but English was poor. Did manage to get it done. It’s a Miracle!

Customer service so difficult to speak with a person and not AI. When you finally speak with someone it’s the wrong department. System is outdated and unhelpful with no customer care or support.
Issues not resolved after 4 attempts!
Fraudulent transaction and no resolution other than wait
Can’t recommend and so unhappy

It was so easy to complete a Balance transfer, will definitely use this method again.

My mother has an M&S card account. She is 86 with full capacity, but she is paralysed after a stroke. She can’t use a smart phone. So she can not use m&s banks digital app which appears to be the only way the bank functions. My mother and I are therefore being discriminated against. This is not the only reason. Every interaction is frustrating with a complete lack of customer care. It is distressing my elderly mother and it is exasperating for me as my mothers attorney. I myself am 63. I have wasted hours on this with endless phone calls and filled in several forms, all to get my authority as attorney recognised and progressing a personal loan for my mother. I am 100% certain were my mother able bodied and younger, she would simply be able to download the app and apply for a loan. There is no rational reason why this would not be granted very quickly. She has had loans in the past. She has a house. She has a very generous pension. Today alone I spent one hour on the phone to the loans department. It was a totally fruitless phone call. An utter waste of my time.

This is not the first time. Therefore I wanted to make a formal complaint. I was told to call the 0345 number to make a complaint. I did that. This was call number 2 just on Aug 26th! After pushing umpteen buttons on the phone, I finally got through to a person. No elderly or disabled person could possibly navigate that. We are the victims of both Disability discrimination and Age discrimination. Last Thursday I completed a loan application on behalf of my mother. Nearly a week later it is still with the ‘underwriting team’, while they make 'checks'. My mother has everything that would normally facilitate a quick decision for a loan. But this is not happening. It seems to me that the only possible explanation for this is related to the fact of her inability to use the app or something to do with her age or the fact I am having to apply on my mothers behalf. It is infeasible that this is about routine lending criteria or risk assessment. Therefore, this is blatant Disability discrimination and Age discrimination. Having got through to a person for the second time this day, they told me they were going to put me through to the 'underwriting department'. I was then put 'on hold' which lasted about 20 minutes. At the end of this, the lady came back and told me she had spoken to the underwriting team. That is not what I asked for. Therefore I tried to explain all over again why I wanted to speak to the complaints department.

She then told me they had gone home because it was after 5pm. Well it wasn't when I first called in. It was about 4:20pm. While I was re-explaining myself, this lady disconnected the call. She did not even have the courtesy to listen or relay my complaint. Although I was angry, I did not use any rude language nor raise my voice. I was nonetheless very upset. She just cut me off. Again, this adds to the Disability discrimination and Age discrimination. It is also extremely rude. We would not be in this position if my mother was younger and able bodied. It seems to be completely impossible to do business with M&S if you are elderly and or disabled. I can't even get to talk to the complaints department! It feels as if my time and concerns are given zero value. I am spending so much time on this, it is preventing me from living my own life. This is completely unacceptable. It is taking weeks. It is an obstacle course. It is inconceivable an elderly or disabled person could navigate this alone. It should not be like this. M&S Bank needs to review its processes. It is impossible to do business with this bank. The staff are not trained on how to deal with the scenarios that arise when a customer is elderly or disabled. This is a disgrace for a brand like M&S Bank.
We have legislation that makes both Disability discrimination and Age discrimination illegal, yet I feel that M&S bank are oblivious to this.

Used for balance transfer 0% offer. Quick and easy to use app and transfer was very speedy

Email sent of potential issue with my item on my credit card, refused my email as it’s not used for general enquires , blocked my card and told me to order a new one within chat which you can not do
Customer relations has gone

It’s not clear in the leaflet that you will be charged £10 a month and unless you use the card on a regular basis, you really don’t get any benefits from it. I’ve never used mine but paid out £20. I’ve cancelled the DD. At least with other credit cards you get points to be used later & they’re free.

Well, I have not got much to say apart from :-
I have never found any problems at all with this Bank.
Every transaction has been totally smooth.
I can’t remember ever having to phone or otherwise contact them after setting up the account.
Louis

I am of a certain age and I really struggled to speak with a human, in fact I am not sure I ever achieved my goal and it was not A I I was speaking with.

I took out this card for the £40 welcome and the small bonus gifts, but I think there will be some delay in receiving this.

I have amassed around 900 points and for the life of me I don’t know what this is worth.

Maybe this card is the next best thing to sliced bread, but I am not up to speed with all the stages I feel I need to comply with.

The card and rewards are pretty good but trying to make a payment to your account is so difficult, its like they've tried to make it as difficult as possible.

You can no longer make cash payments which is wrong and can only pay by debit card by phoning them up where "press option 1" etc seems to go on forever.

Why make it so difficult M&S? Why take away cash payments? Its almost like they might like you to be late making a payment or even miss a payment.

Unfair and unfair on those who are not tech savvy. Which plenty of people are not.