M&S Credit Card Reviews 2.552

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I contacted M&S Bank to explain the situation and asked if the application could be withdrawn and the hard search removed as a gesture of goodwill given my circumstances.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spend on line as I cannot always get to the store, needs sorting - taking £10 and end up throwing the £25 in the bin, out of date hence reason for cancelling.

I had made a mistake in which exact credit card account I was transferring from after a couple of days M&S corrected it for me

Easy to deal with and straightforward, trusted name I would recommend

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.