M&S Credit Card Reviews 

Very smooth Uncomplicated. Decision made with no fuss . Fair and Competitive

Pre approved so it was super easy & super quick

Balance Transfer very easy and fast to setup. Also very fast to get the monies to the Card being transfered from. A Credit Card to be recommended and with the services that you expect from an M & S Product.

Have had a great experience so far very easy to deal and have the best deals available

I did a balance transfer and found it to be completely hassle free and quick to complete.
The application was easy and although I did not speak to a human being the service was great

Straight forward application process all done online, my only gripe is you can't apply to increase your credit limit for 6 months, the small credit limit is hitting my credit rating hard.

Everything, wrong amount was transfer, putting my other card in credit and being frozen., money returned 5 days ago, and still waiting for the amount to be credited back, charged a fee when they where advertising no fee, spoken twice now and they just don't get it..

Does everything I want and 25 month interest free purchases as well. Works well and easy to use. I would recommend this credit card.

Great to use ,well monitored if spending large amounts sending security codes and rewarded every time you spend with points that turn into vouchers and also freebies

Great service, explained everything I had to do so the application was simple and straightforward. Would recommend.

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