M&S Credit Card Recensioni 

Always advising you on your credit card limits when near triggering.

They were the first bank to give me a credit card, 16 yes ago when I started to work in the UK. I've not had one day of issues. Amazing bank and I will always support them

Usual useless Ai help. If you want to dispute a subscription amount,you have to fill in a form, screen shot evidence and then get told it will take 60 days. In summary just a typical self serving bank with zero customer service

I have now had my reward credit card for 6 months. So the policy to increase the credit limit is…..you can only do it after you have been with them for 6 months.

So today, I tried to increase this limit through the app. It didn’t work, told me an error had occurred and advised me to contact customer services.

So I used the app chat. It took them nearly an hour to reply to my message. The message told me to phone them!

So I phoned them. I was told that as I had submitted a credit increase today, I would have to wait another 6 months before submitting another one.

As the automated system did not take my excellent credit score into account, what is the point.

It is incredibly difficult to get to speak to anybody at M & S bank. When you do, they can’t help you and are bound by rules which are not customer friendly.

No doubt I will get a patronising reply inviting me to chat to them again about this review.

I recently signed up for M&S Sparks and also applied for the M&S credit card, attracted by the introductory offer.
Unfortunately, the experience was disappointing. The card arrived with a £3,000 credit limit, despite my having indicated during the application process the limit I required. After a waiting 30-minutes on a call to M&S Bank, I was told that an increase could not even be considered for six months.

I appreciate that credit decisions are a matter for the lender, but given my financial circumstances, excellent credit history and longstanding relationship with HSBC, I was surprised by the decision. More importantly, I would have appreciated some contact before the card was issued if the limit I had requested could not be accommodated.

The £3,000 limit simply wasn't useful for my purposes, and I wasn't prepared to spend six months establishing a track record in the hope that it might subsequently be increased. I therefore cancelled the card on the day it arrived and also decided to close my Sparks account.

The customer service experience didn't help: calls to M&S Bank took more than 30 minutes to be answered.

A disappointing introduction to M&S financial and loyalty products, particularly as I had initially been quite interested in both.

I have always been pleased with my credit card. When I joined I had to give my debit card so that if I didn’t pay off in full they would take a minimum amount from this debit card. I received what felt like a threatening letter telling me my direct had been cancelled and I needed to pay an amount immediately or reinstate the debit card. For years I have paid in full and the debit card has never been needed. This made me very concerned because my last statement had been paid in full as always. I had to wait more than 30 minutes to be answered with numerous special codes I had to put in the verify who I am. They all failed till finally a human checked it. She was pleasant but it was totally ridiculous what I was told. This letter was sent because I always paid in full - so why was money being demanded of me. Then she said I needed not do anything or even reinstate my debit card. Thanks very much for this threatening letter ruining my day thinking that you had not received my payment even though I had proof on my credit card and bank that I had.

The App is hopeless and trying to speak to someone is even worse. The app just keeps sending you round in circles, Doesn't recognise password. re set it, still doesn't recognise you. And round you go again. Given up on it

I would give this card zero if I could

Did as you suggested Dawn and got this reply:-

I do apologize that we are not able to increase the limit at this time. I know that this is important for you as you need to use it for your Holiday. As much as I would loved to, my hands are tied as I cannot override the system.

excellent information before requesting and so easy to apply

Great offers with M&S Bank and my balance transfer was quick, easy and all done- Happy Customer 8)

Great service. Amazing rates.

M&S replied to my review with a bog standard reply. "Hi Karyn, We understand your frustration. There are lots of factors involved in assessing a credit limit increase as well as consulting with credit reference agencies. Thanks for your feedback. - Kim" It is quite clear that they have made no attempt to investigate the issue. Others have reported similar issues. M&S, you are not covering yourself in glory.....

Easy to apply and down load the app. All in one place and great ease to use …lots of offers, treats and money saving offers. Watching the points/cash bonus build up is also inviting …. All in all I should have changed to M&S ages ago 🌸🩷🌸

I have had a marks and Spencer credit card for many years now and it gets better and better it is easy and informative when you want to check your balance and also pay off your monthly balance. It is now linked to your sparks card enabling you to access your rewards spending them has never been easier.

Quick and painless - received in no time!!!! Good and regular contact from M and S.

Absolutely abysmal customer service.
Trying to pay my credit card and can't via debit card then bank transfer and customer service can't understand my request.
Spent hours over multiple phone calls.
Why Any credit card company doesn't allow debit card payment is beyond me.

Maris Spencer balance transfer offers are better than 20 other credit cards I have and it’s incredible I had at least 10 balance transfers offer in two years.

Worst service received from M&S appalling customer care and support given matter is still unresolved

Easy and straightforward balance transfer options, so easy to view balances

I was offered an attractive balance transfer offer. This was completed quickly and easily and was messaged when this had been done