Marks & Spencer & More Card Reviews

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Marks and Spencer & More Card
Marks and Spencer & More Card

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Latest Reviews

★☆☆☆☆

“What a shambles”

Written on: 25/08/2014 by EfrainKeating64 (1 review written)

Accidentally went a few pounds over my £2400 credit limit on MandS credit card (First time ever, all previous payments over several years have been made in full by monthly direct debit) and card was stopped. I immediately paid £1000 by debit card on the MandS web-site, but credit was not acknowledged. Went specially to local MandS store and made another payment of £500 by debit card, but told they could not cancel the block on my card until the payment had been 'Processed'. Spoke by phone to… Read Full Review

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★☆☆☆☆

“Problem still unresolved”

Written on: 25/12/2013

I have had a M&S credit card for a number of years and always pay the full amount every month using my account with Barclays via the telephone. This month tried to pay it as usual via the telephone but M&S kept sending it back to Barclays. After numerous calls to both Barclays and M&S (a total of nearly 6 hrs on the phone) it seems that M&S introduced a new system at the beginning of the month and Barclays are unable to make any payments. Surely a large company like M&S should have ensured any… Read Full Review

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★☆☆☆☆

“Avoid - Agressive & Out of Control”

Written on: 24/11/2013

These chumps have got to be the most dis-organised operation in the banking world. Having had 4 calls a day from 'credit control' chasing an overdue payment - having explained twice and confirmed with a letter, my Co had changed the salary day in the month (takeover) and I re-arranged all my DD's with banks & building societies but M&S can't handle this - the computer says no... I had 38 calls and 4 letters in 15 days along with threats to trash my almost perfect credit history - how dare they… Read Full Review

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★☆☆☆☆

“The Pen IS mightier than the Sword but not at M&S”

Written on: 19/09/2013

I've had the card quite along time and no problems but when there is a problem they just want you to ring the 0845 number which will no doubt take me to the call centre in India. My previous experience of this was completely farcical.I am deeply disappointed that having written to the Head of Collections he does not have the courtesy to respond to me in writing when that is my preferred method of communication. Today I received 5 separate letters from M&S outlining all the charges that they… Read Full Review

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Kelpie2512's Comment

Written on: 05/10/2013

If you use their telephone number listed as for calls from overseas on the statement, you can avoid the horrendous 0845 charges. Or look at the website "Say no to 0870" you can find a normal telephone number.

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★☆☆☆☆

“Deeply disappointing”

Written on: 07/08/2013 by nuttyslack (1 review written)

I'm a long term M&S customer and getting one of their credit cards seemed to make total sense. At the time I was European Sales Manager for a company and put all of my expenses on the card thereby earning myself M&S vouchers. Sweet. However the card was always being stopped because of "suspicious transactions", specifically me moving from one country to another. Despite repeated explanations of why this was to the idiots in their Indian call centre this continually happened, making it… Read Full Review

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★☆☆☆☆

“Call centre without a clue”

Written on: 31/07/2013

I have done many balance transfers in my time, but this was a first one to an M&S card - it will also be my last! Most companies take your details, take the card details, the details of the other card, read some legal script and complete the transfer after confirming with you - 5 mins max these days and almost always a UK call centre. M&S do it differently! 12 mins to even answer the phone (including 3 mins tying to get through their maze of options where 'speak to a person' is deliberately… Read Full Review

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★☆☆☆☆

“Hang your head in shame Marks and Spencers - DO NOT...”

Written on: 01/07/2013 by Syrupsponge (2 reviews written)

Had an M&S and More credit card for many, many years. Due to a period of 15 months unemployment about 4 years ago we were reliant on using cards to get by, at the same time meeting all our payments on them. I had a letter last week advising me that if we continue to make only the minimum payment it would take longer to pay off. I replied to them that - given that interest rates are almost nothing - if they didn't charge such a high interest rate(24%) to such a loyal, long standing and reliable… Read Full Review

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★★☆☆☆

“Overseas call centre keeping themselves in work”

Written on: 07/06/2013 by Mypet (2 reviews written)

Do these C Centres deliberately generate 'problems' to keep themselves busy.M and Spencer caution is ridiculous and the questions asked by the call centre staff show at times a complete incomprehension of how things work in the UK . Eg my card was refused for a tax disc @ DVLA on line site (despite this site cross checking my car /address/insurance details so you,d think it wld be well safe) & who woukd want to go and blow my card on extra tax disc for my car anyway!! They suggested i talk to… Read Full Review

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★★☆☆☆

“Want your card stopped every few months?”

Written on: 03/06/2013

On the surface a good card - generous rewards systems, no issues with online banking... HOWEVER...over the past year or so my card has been stopped and replaced 3 or 4 times, despite their being no actual fraud on my account. The last two times have been immediately after trying to purchase something on Expedia/LastMinute.com, the first when trying to pay my New York Marathon entry. Minutes after the transaction failing (extraordinarily annoying) my phone has rang to tell me my card has been… Read Full Review

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Nuttyslack's Comment

Written on: 07/08/2013

See my review. Exactly the same happened to me, the card was being repeatedly stopped for "suspicious transactions"... i.e. overseas ones. Made it impossible to use the card.

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★☆☆☆☆

“Aggressive and shockingly rude custom service”

Written on: 18/03/2013

I asked for a reason why my MS card was declined for my weekly transaction with the same supermarket. I was emailed saying it was because the card was not activated, but I pointed out it was a month before, and had been used subsequently with the same supermarket. This sounds like dishonesty or fobbing me off?! Then a woman rang me, screaming what the problem was, i didnt like her agression, so my husband said to get her to email us so we could take our time answering. she screamed at me… Read Full Review

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★☆☆☆☆

“interest rip off”

Written on: 13/03/2013

My mum forgot to pay one item on her m & s statement for £38. She did pay the rest of £271 within the timeframe yet m & s applied interest to the whole £309. Now I understand if interest was on the £38 but to add it to all of it is daylight robbery. I was considering getting a card myself but definitely wont be now… Read Full Review

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★☆☆☆☆

“Problems using abroad again!”

Written on: 02/03/2013

For the second time running we experienced problems using credit card abroad despite telephoning before hand to let them know our travel plans. We used in New York to pay hotel bill, got on a plane, and by the time we got to LA, my wife's card had been stopped due to a supposed suspicious transaction. The guy we initially spoke to was an English guy who was extremely helpful. However it was being dealt with by the fraud team and that's when the fun begins! A call centre in some foreign… Read Full Review

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★☆☆☆☆

“Avoid like the plague”

Written on: 25/02/2013

I've had an M&S credit card for about ten years. Periodically they suspect online fraud and cancel my account. They last did this a couple of weeks ago just before I was going on holiday, despite my confirming that the 'suspicious' internet transaction was genuine. When I objected to being left without a credit card all the time I was away - they couldn't get a replacement to me before I left - they agreed they would keep the original card open for face-to-face transactions. Two different… Read Full Review

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★☆☆☆☆

“Beware your credit rating”

Written on: 20/02/2013

My last card bill came having paid off a small debit balance of £2.88 by direct debit - as normal. An accompanying letter told me that I had failed to make a payment, I had broken my contract with M&S Bank, I could be subject to legal action, and my credit rating could be adversely affected. A phone call to a hard to understand call centre operative told me that the minimum payment was £5.00 and as I had cleared the outstanding amount by only £2.88 the computer saw this as a missed payment -… Read Full Review

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★☆☆☆☆

“I agree with everyone else”

Written on: 09/02/2013

Very over cautious, putting a freeze on your account for nearly everything, especially if you try to use it abroad or buy online - Im sure its just a way of making money out of you having to phone long distance and keeping you on hold, or never phoning you back, so you have to keep phoning them. A credit card is no use if you cant use it abroad on holiday and despite M&S being told your circumstances, they still seem to refuse any transaction abroad, then you are without a card/money. I… Read Full Review

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★☆☆☆☆

“Call Centre Madness”

Written on: 24/01/2013 by janebarry (1 review written)

I have had an M&S credit card for 9 years and have always been happy with it. However, since I made a balance transfer in July 2012 I have had nothing, but terrible service! I have had a payment taken out for a fee from M&S which is not appropriate and eventually was refunded. This time interest has been taken although I am on an interest free contract since July 2012. My frustration is the call centre answering service, taking forever, a call centre abroad, promised return calls not being… Read Full Review

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★☆☆☆☆

“Avoid.”

Written on: 06/01/2013 by Sickofitall (1 review written)

Just a truly awful product. I've had it for 4 months and still haven't been able to register online to make payments as the site never works. Sadly I don't have a working land-line and predictably the number to make a payment is an 0845 which is very expensive from my mobile. Despite entering everything it asked correctly on the automated system it kept reading random numbers back to me. After TEN minutes I eventually had to speak to a real life human being who read more numbers back to me… Read Full Review

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★☆☆☆☆

“NEVER WORKS”

Written on: 14/11/2012

Worst mistake i ever made was getting an M&S credit card. Always getting charged a late payment fee as their system is always down and payment doesnt complete on their end, my direct debit was also cancelled by them for no reason which another payment fee incurred. Card never works, when i go to pay in a shop it declines and when i constantly have to call the helpline with problems they decide to put a lock on my card. AVOID GETTING THIS CARD!! … Read Full Review

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★☆☆☆☆

“ I have the same experience as mentioned elsewhere -...”

Written on: 31/10/2012

I have the same experience as mentioned elsewhere - the continual failure of the server when trying to check my account. The "unexpected host error" is NOT unexpected - it happens virtually every time. Last time after entering my user name entirely accurately everything disappeared and another page came up wanting all my security details as if i was logged out for making repeated mistakes. This included demanding my credit limit which since i don't get statements I would have no way of… Read Full Review

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★☆☆☆☆

“Paperless Billing and No Access to Online Account”

Written on: 05/10/2012 by Lee3210 (1 review written)

I decided to have a shop around for a new credit card with a good rate and came across three, one being the M&S card. approval and credit limit was great no problems. Decided to use the card for a business trip to china, so contacted them and again no problems. using the card again no problem. Return from China to review my spending, no paper bill available so I register online. registration fine no issues. problem starts when you actually want to log on to the website for nearly four weeks now… Read Full Review

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