Credit card declined

Just been to a local shop to pay a bill and my Marks Credit Card was declined. I was buying a product priced at £150 and I have over £13,000 available on the card.

This is not the first time this has happened and it's so embarrassing. Fortunately I have a debit card with another bank and that went through no bother.

I have just switched my current account from Marks and Spencer to Nationwide because I could not get into my account on the internet to view my account, despite contacting the Marks so called helpline on about 6 occasions.

I am all for security but I cannot believe the bank put so many hurdles in the way of online banking.

I was giving Marks a chance but I've now had enough and will be looking for a credit card company that can actually provide some service unlike the shambles that I and great many other people have to put up with.

Marks and Spencer management must be aware of all these problems but are just not interested in sorting them out.

Avoid M&S Bank like the plague!