Marks & Spencer Financial Services Reviews

I held an M&S credit card for a number of years and was perfectly happy with it, to the extent that I would recommend it to friends. A single piece of post was returned to them, presumably due to a mistake by Royal Mail. They then blocked my card and denied access to their online system. Since I didn't know how much the ...  Read the complete review

My partner has just spent over an hour on hold to M+S money after the ISA department messed up her savings account, It cost her £12 on her mobile and still no one picked up, she is understandably upset. She had tried for 25 and 30 mins earlier in the day with the same outcome, on both phone numbers given.Amazed that M&S allow this level of customer service to happen, will be moving accounts.

Typical credit or debit card. Seems to work, but beware if you are a day late with a payment. I was late by a day after they failed to deliver an invoice in November 2010's snow. Their response, interest added next month plus a £12 charge for the letter stating I was over. It crossed in post with my payment made in store, so by the time ...  Read the complete review

My relationship with the Marks and Spencer's credit card began on a normal shopping trip, whilst paying the sales assistant asked me "Are you interested in a Marks and Spencer's credit card?", I'm used to being asked this in most stores which I suppose everyone is nowadays. I looked down at the leaflet and saw that it said ...  Read the complete review

GOD HELP YOU IF YOU'RE LATE WITH YOUR PAYMENT TO M&S CREDIT CARD. (THEY WILL PROBABLY HANG YOU IF YOU MISS ONE...) AND I WAS JUST LATE!!!AWAY ON HOLIDAY AND RETURNED AND PAID ON THE DATE DUE, CASH PAID VIA THEIR CLEARING BANK AND ACCORDING TO M&S TAKES 4-5 DAYS TO CLEAR.THEY WERE RUDE AND RANG DAILY UNTIL THE PAYMENT ARRIVED IN TO THE ACCOUNTAVOID THIS CARD AT ALL COSTS, YOU HAVE BEEN WARNED!!! P.S. TO COMPLETE THIS REVIEW, I HAVE HAD TO GIVE A STAR RATING, BUT IT REALLY SHOULD BE ZERO

After benefiting from the loyalty system of my Tesco credit card, I decided to get an M&S credit card to see how they compared. The APR is 15.0%variable which is pretty standard for such a card. Applying for and getting the card was straight forward. After successfully applying online I recieved my pin and card in due ...  Read the complete review

My M&S Credit Card is one of two cards that I use when I shop. For every pound spent, I receive one M&S point, and these points all add up and are transferred onto shopping vouchers which are sent to me at intervals. But where this credit card comes into its own is when I travel. M&S don't charge a commission on ...  Read the complete review

I took out a Marks & Spencer credit card thinking that with a good reputation behind them Marks & Spencers would have the same level of service in all of their products but this as one of my worst financial decisions yet. Each time I contacted M&S Money to try to do anything with my card I found very unhelpful and unfriendly ...  Read the complete review

My husband hates having credit cards, he's a 'pay in cash so we know where we're up to' kind of guy and hates owing anything to anyone. So when I heard about the M&S card it took some persuading but we signed up for it. We now pay for everything on it! It's great. You earn 1 point for every £1 spent at Marks & Spencer and 1 point ...  Read the complete review

I have several Credit Cards and pay my balance off in full every month (although with my M&S card i have had a couple of late payments and will tell you in a minute what happened). I have been very pleased with my M&S Card and now use it as my main card as i feel the &More points add up quickly and i regularly get ...  Read the complete review

I've had my Marks and Spencer '& More' card for a few years now. I think it's a great credit card for people who pay it off. If you don't, yes the interest rates are high, I've seen it go up 3% since I signed up. However, that's the same with most credit cards and as far as they go, I think this is one of the best on the market, that ...  Read the complete review

Although I doubt that this will reach M&S credit card services, I'll try anyway. I received my PIN but not my card. This morning I spent too long on the phone, first waiting for an operator to speak to and then to have to repeat each and every piece of information at least four times. How about employing native English speakers? What is the point of a supposed service? As customers we would like a rea,l efficientl service. Somehow I can't see myself using the card as it is better not to become involved with such a bad set-up.valerie.kent1@ntlworld.com

Credit cards....Love them or loathe them, one thing is sure and that is that they are here to stay. Everybody who has a credit card has his/her own reason for having one - whether it be to get bonus loyalty points or cashback, transfer an existing debt and not pay interest for a set number of months, or simply to boost his/her credit ...  Read the complete review

I ordered a Marks and Spencer credit card, its advert looked good with the points, the free interest period of up to 55 days if paid off by the allocated date and the 0% Balance Transfer for 6 months which I took advantage of. So I went ahead and transferred £600 from another card and off I go shopping spending a few hundred ...  Read the complete review

The M & S credit card I have found it to be very useful and the vouchers sent for me to spend have helped me buy mor eexpensive things that perhaps I wouldn't have considered. I do tend to pay it off every month, but the interest rates are not very high. I have found the M & S Money advisers to be very ...  Read the complete review

Not all is as rosy with M&S Credit cards as other reviews would have you believe. I have stopped my account before it got started for three reasons: 1) The card never arrived 2) I have concerns about M&S security procedures 3) The credit limit offered was low compared to other providers and would not be ...  Read the complete review

As I write this review, I’m smugly eyeing my beautiful new long black dress, my latest purchase from The Autograph Collection at M&S. Although worthy of any red carpet I paid £60 for it, £110 less than you will if you buy that exact same dress today. How did I manage that, well read on and I will reveal all!!! There ...  Read the complete review

I applied for my first M&S charge card while at uni (that was many, many years ago now!) Then this was the only card accepted and this has only recently changed. I was accepted and a couple of weeks later I had the card. It was so useful while at uni- I was never a hungry or starving student!! - Every Friday it was ready meals and booze ...  Read the complete review

Until this year M&S were the only department store to REFUSE to accept any other credit card except their very own M&S credit card. Is it any wonder then that this retail giant has been in troubled waters since at least 1995. It ‘s half yearly profits are down from £192 last year to only £150-160m this year till ...  Read the complete review