M&S Credit Card Reviews 

just experienced my worst ever month's service with M&S Credit card. I have the card because I can earn points/rewards. A miserable, inflexible, computer says no reaction from staff and operation gave me frustration and embarrassment. All this and I am always fully paid up - perhaps that's the problem. Better for M&S to have members in debt.

M&S are a trusted business and having an M&S card at a time when l needed financial flexability was excellent I am so pleased with all the services and efficiency

Excellent service, great rewards for when using card. Can’t fault them

I’m very happy with my M&S credit card. I find the online banking application very easy to navigate. My payments always seem to be promptly made.

Always answer and always have been able to solve whatever problem I had,always have time and patience dealing with me, always appear pleased to help and that is not easy every day,but M&S Bank always manage to do it in my experience, Izzie

I use this card a lot for internet purchases & have always had a good experience the way the purchase is verified via the app is very good

I haven’t had any problems using M&S Bank app. Each month my outstanding balance is settled by Direct Debit. So easy!

I have had my M&S credit card for more years than I can remember. I have complete trust in M&S to keep my money and purchases safe. Also, just as importantly, to respond quickly and professionally to any enquiries.

Brilliant, I've had my credit card with them for about 40 years now. Never had any problems and occasionally get a bonus on it (at the end of the year), also transfers too. Great credit card to have

The rewards associated with the card are very helpful which is why I keep mine open. However, I have several elderly relatives, all of whom have been excluded from using this card because they aren't about to upgrade to the most recent Android or iPhone. No other bank has excluded them, just Marks and Spencer's. At one point, you offered an elderly arthritic lady a tiny little keypad to use as a security device. Have you any basic customer service training about accessibility?

Very poor communication from MS staff there’s a language barrier between staff and customers. I would never have a MS credit card again.

Mostly great, but I've been forced to download the app on my phone, and now every online transaction requires me to log into my account. I don't live on my phone and so that's a real pain - main reason why I frequently use a different card

I have found its a pleasure dealing with M&S Bank. I have never had a problem and feel I can always count on them to help me when I need it.

Many thanks,
Johnette

Excellent service. App works much better than the first one I used. Very secure, easy and quick to log in. Never had any issues using the app. Notification service is great; enables me to keep track of my transactions.

My first contact wasn't very helpful, I was told that I had to download their app, when you are 20 that's easy when you are 82 not so, got there eventually, my contact the second time was ok problem solved.

M&S Bank, specifically the credit card operation used to be a good option for purchasing using a credit card. The rewards were very fair and useful at times like Christmas. The value of rewards was reduced some years back, as M&S undervalued consumer loyalty. The service is mediocre, the rewards are now, not great, and I am sure there are other, more suitable providers out there with either linked rewards or cashback. M&S sells it's brand on quality and having something a little different. The credit card experience does not reflect that.

App is no longer supported on my phone. Had to phone and ask for a solution and was sent a key pad to generate a security code, however it just doesn't work, no supplied pin. I just gave up trying to use it. Now have to phone to check the balance and make a payment as required which is inefficient and time consuming. Will have to cancel the card and has clouded my opinion of M&S as a whole. Goodbye trusted brand.

Never had any problems with M&S Credit card. Service is amazing and informative.

I recently overstepped my credit limit. I found it impossible to speak to anyone about this or know how to deal with it. I sent an email to the complaints dept but did not hear anything. I then received a letter saying that I could pay by cash at my local M&S. When I went in they said this had been discontinued during lockdown.
The only way to check your credit card payments is via the M&S app on your phone. This does not work for me. Don't understand why I can't check online through my laptop.