M&S Credit Card Recenzje 2645

Great experience with the balance transfer and great rate for a good long time. Delighted thank you

Spoke to a very strange woman on the 03456005860 number. My card is lost and she said I didn’t exist and sounded like a scam. I called another 0345 number and the next person was helpful but m&s seriously change your cheap call centres!

Keeping my local branch open and employing very helpful and experienced staff

The credit transfer was quick and easy to complete. The balance transfer rate offer of 0% for 15 months brilliant so was really pleased.

Although I was offered the balance transfer, I accepted the offer which was accepted and went through very quickly 🙂

All done and dusted in a matter of minutes and transferred the next day which was a Sunday. Brilliant would use again 5*****

Collect M&S points plus interest free on balance transfers and purchases in the first 18 months

This transaction was so straightforward was completed in no time

My issue resolved swiftly

Generally fine-over use of automated categories meant that it was difficult to identify the one that applied to me. I went for what was the nearest and it was wrong but swiftly rectified and all other aspects were fine

Hugely disappointed by M & S bank. After being ripped of by a car dealer I was hoping I could rely on my credit card provider to set things right. Since February I have received muddled responses, copy and paste replies, phone calls from staff who can barely speak English (my guess is that customer services is outside of UK), errors in procedure setting back the process months, condescending replies and half apologies. Not only would I not use M & S bank again, I wouldn't consider shopping there either.

Very nice to deal with
Made it so easy
Thank you

I cannot fault my experience with their credit card which I have had for a few years now.

Easy to apply and instant response with rye credit limit I asked for. Helpful app rhrough which I can do everything I need.

My balance transfer was very straightforward. I submitted the request and received an email confirming the transfer.

Marks and spencer credit card dispute team is very dissapointing and unreliable. I have disputed 2 transactions with Debenhams under 100£, because they issued me a credit card note/gift card even when I chose an option for a refund to original payment method-which is my credit card. Stealing money just like that from their customers and in addition to that Debenhams issues gift cards valid only for 3 months. I have explained to Marks and spencer credit card dispute team( Minetta, who reassured me that she will help me with this issue), million times that I didn't chose the gift card option and Debenhams been sneaky and they issued me a gift card but Marks and spencer dispute team took Debenhams side and said that they have even reasonable by issuing me a gift card valid for 3 months, not even 1 year. I will be closing my Marks and spencer credit card as I don't need a credit card company who doesn't protect me even for 100£,never mind thousands of pounds. I never have had such an issues woth Barclaycard. I will better open Amex credit card rather than keeping Mark's and Spencer credit card. Marks and spencer dispute team, you are embarrassing. No wonder, why Mark's and Spencer credit card has got bad reviews on Trustpilot.

I am extremely satisfied with my new credit card, particularly because my credit limit has been increased. The card offers excellent rates and a favorable balance, exceeding my expectations.

Thank you.

I rarely leave negative reviews, but my experience with M&S Bank was genuinely upsetting.

After comparing personal loan options on a comparison site, I proceeded to the M&S Bank website. I was careful to avoid triggering a hard credit check and believed I was continuing to review or obtain a quote. As someone who is registered visually impaired, I rely on clear wording and accessible web design, and it appears I may have unintentionally submitted a full application in error.

Only afterwards did I discover that a hard credit check had been carried out and recorded on my otherwise excellent credit file, which I did not knowingly authorise.

I contacted M&S Bank to explain the situation and asked if the application could be withdrawn and the hard search removed as a gesture of goodwill given my circumstances. Unfortunately, the response I received was extremely disappointing.

The complaints handler was argumentative, dismissive, and lacking in empathy. Rather than listening, she repeatedly insisted the process was clear and challenged my explanation, which made me feel as though I was not being believed. At points, her tone came across as questioning how I was able to use online services at all given my visual impairment, which I found both inappropriate and upsetting.

I understand that processes exist, but there is also a responsibility to treat customers, especially those with recognised vulnerabilities, with respect and understanding.

I have now requested a final response and will be referring the matter to the Financial Ombudsman Service.

A very poor experience from a brand I expected much better from.

All has gone well I have one complaint which is the voucher you receive of £25 i have been unable to spend on line and customer service poor, so I cancelled my payment of £10/monthly as I am unable to spend on line as I cannot always get to the store, needs sorting - taking £10 and end up throwing the £25 in the bin, out of date hence reason for cancelling.