M&S Credit Card Avis 2 547

Changing the ways you can pay and not making it obvious to the particular customer whether they're okay or not is at the best stupid.

My recent contact with M&S Credig Card Services resulted in a quick and easy transaction with all my questions answered. Thank you.

After encountering difficulties using my M&S card I was informed that a ‘Total block’ on contactless payments was in place once I have spent over £300 on my card consecutively (it was not explained whether this was in a week, a month or a year??) followed by my pin num being blocked also. If this is the case, why does it clearly state on the M&S Banking website: 'There is no limit on the number of contactless payments'
My M&S card has been declined on numerous occasions at the checkout in Marks & Spencer’s in Llandudno North Wales as well as in other retailers.
I have been left frustrated, angry and embarrassed with a queue of people behind me when my card has repeatedly been declined. I have then had to use another card to pay, which means that I have lost out on all the ‘Perks’ of using my M&S card, receiving double points etc as part of the M&S Rewards scheme.
Therefore , after 2 calls to M&S customer services (abroad) where I struggled to understand what they were saying, I asked to be transferred to the UK.
A customer service agent called Cara , based in Chester dealt with my complaint in a friendly and professional manner.
However, I am very disappointed with the actual service provided and have still decided to cancel my account with M&S

Awful experience. Terrible communication and impossible to get hold of. My payments appear to be delayed by them by 24rs. Its automatic so sort your systems out. Just another online company. Useless

M&S Bank have changed the way you can lay your credit card bill. I tried twice to pay direct from bank and on neither occasion did it work, requiring several phone calls to my bank and M&S Bank. Fault lies with M&S Bank. Customer service phone agents virtually unintelligible. I have attempted to close my account with M&S Bank by filling out the form they sent me online and submitting it. It submitted successfully but they claim they gave not received it. I have phoned to close my account and they informed me they would send a other form. As their forms do not appear to work, I told them to close my account immediately as I have a zero balance. Having been told they could do this, they then inform me that the account cannot be closed until I receive my next statement! I am not paying any more monthly fees. How to make an easy task difficult, ask M&S Bank.

I find the M&S banking app the best, it's intuitive which so many aren't. Balance transfer process is clear and simple. I don't normally leave reviews but credit where credits due.

Completed a balance transfer and it was so quick and easy. 2nd time I have used this card and this service, really pleased and would recommend.

So simple no worries and processed in very short time all i could ask for.

0% interest on purchases saves money. Find the statements confusing on layout. Perhaps you can sort this out.

Easy transaction via the App.
Quick informative and a great way to save money!
Thank you

The process of applying for a credit card was straight forward. Very happy with my application result and service.

Not happy by stopping through debit card payment for Mark's and Spencer credit card from 22nd April 2026.
I been using for long time suddenly I have received email from marks and spencer banking apps.

Quoted me an interest rate online, agreement came through and the APR was double what was quoted online. No mention anywhere on the email, I signed the agreement then noticed so got the loan cancelled. Absolute charlatans!!

You responded to my last message by requesting I contact your customer services. This I did and the person I spoke to told me I had to set up an app and then complete a form to get my credit limit reviewed.
So I have sent 3 letters which were unanswered and nobody wants to speak to me ! I am 72 do not use apps and just want a human with authority to speak to me. You have my contact details please use them.

NO problems easy process and acceptance does what i want.

It was very easy to check if I could be accepted for a credit card and also to apply for one. After a phone call with a pleasant person to check a few things acceptance was approved and the card was sent off quite quickly and have had an amazing experience through them

So easy £ straight forward to do a bank transfer & with 0% interest for 12 months is even better.

I have used the credit card for purchases then they balance transfers came along and they have been very helpful for cutting interest on other cards fantastic

I would like to take this opportunity to express my sincere appreciation to the entire team for the outstanding service I have consistently received over the years.

At important moments in my life, particularly when I most needed support and guidance, the bank was always there for me, demonstrating professionalism, reliability, and a genuine commitment to its customers. That level of care and availability made a real difference and gave me the confidence and peace of mind to move forward with important decisions.

It is truly reassuring to know that I can rely on an institution that not only provides high-quality financial services, but also values trust, personal relationships, and the wellbeing of its clients.

For all of this, I would like to extend my heartfelt thanks and recognition to the entire team. Please continue the excellent work — your dedication and customer service set a standard that is greatly appreciated.

Thank you once again for everything.

Easy to apply, some confusion when waiting for a decision but quick turnaround and helpful customer service staff