written by Mypet on 07/06/2013
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 DVLA to sort it out !! Ha ha ha have you ever tried ringing DVLA ...gotmhalf a day to spare & a large phone bill going no where.What about m&s taling to the government agencybthat is DVLA if the suspect fraud. Then try buying a meal in arestaurant that you have never been to before ... M & Spencerstopped my card £86 as i had not been there before ! only use it for the supermarket .
written by 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 'compromised'. When I go through the 'suspicious' transactions and confirm they are mine they still cancel the card and issue a replacement. The last time it happened I argued that they were incorrect and that my details had not been compromised. I asked that if my details were on some list of people possibly being hacked why had they conveniently waited until two minutes after I tried to use the card to tell me? She stuck to her story, despite me explaining that it didn't make any sense. I've decided that using a card so unreliable is just not worth having. The other stories on here confirm my experience. Avoid.
written by on 04/11/2010
What a tedious way to run a card scheme. VERY small opening balance - which apparently needs to run for 6 months before they up the credit limit. M&S don't seem to pay any attention to credit ratings... already hacked off and have only had the card for 2 months! I was with Goldfish for nearly 10 years, which was great, only dumped it because Barclaycard bought them out and changed the terms.
written by steveisaacs on 01/01/2009
The Marks and Spencer credit card is just like any other general credit card, but what attracted me to it was the 10 month 0% introductory period for new purchases. I have no money worries at the moment, but like to 'credit tart'.
written by clairepandolfi on 21/02/2006
The main reason that I got the Marks & Spencer & More credit card is because I do shop a lot in M&S stores, so I like the fact that I do get reward points. Unfortunately my card has been refused at times with no explanation at all given, so it can be very inconvenient. Then you have to make phone calls to find out what the problem is, but still told that there are hundreds of reasons why the card does not work.
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As rated by our community of reviewers
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.