Marks & Spencer & More Card Reviews

Click here if this is your business
★☆☆☆☆
1.2 / 5
9% of users recommend this
Click here if this is your business
  • Customer service

  • Value For Money

? Ask our helpful community of experts about this product or company
Marks and Spencer & More Card - Ask a question now

Media Gallery for Marks and Spencer & More Card

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

Refine your search

Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Eg click on '1 star' to just display the reviews we have which received a 1 star rating click or 'Within the last month' to display just reviews posted over the last month.

  • Average Rating Over Time
  • Within the last month ***** (From 0 reviews)
  • Within the last 6 months *** (From 0 reviews)
  • Within the last 12 months * (From 0 reviews)
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“ 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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“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

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“Ok when it works, extra-abmissal if you need help”

Written on: 22/08/2012 by Downturnwallet (1 review written)

This card was ok for me for a while. we got M&S rewards when we used it and no fee for having it. Because of a small payment error we got charged a HUGE fee for not paying all the balance. The fee was way out of proportion and when we phoned to have the issue resolved it was impossible to understand what the assistant was saying. The assistant also couldn't understand us. I was fobbed of with a lot of old rubbish from the assistant. We subsequently phoned on a second occasion to with another… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★★★★★

“No fee and great rewards”

Written on: 20/08/2012

A very good rewards scheme, and frequently receive vouchers to increase the return, e.g. 5x the usual value. The website is also very easy to use with lots of information… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“HI APPLIED FOR CARD 2 WEEKS AGO STILL NOT ARRIVED...”

Written on: 11/03/2011

HI APPLIED FOR CARD 2 WEEKS AGO STILL NOT ARRIVED ,TAKES THEM ABOUT 1 WEEK TO SEND APPLIC THRU POST ALTHOUGH IT WAS APPROVED FOLLOWING DAY.CALLS SEEM TO GO THRU AN ASIAN CALL CENTRE WHO APPEAR VERY LITTLE INTERESTED AND UNHELPFUL ,CREDIT LIMITS APPEAR TO START V LOW.RECOMMEND TRY AMERICAN EXPRESS CUSTOMER SERVICE THEY ARE FAR MORE SUPERIOR SERVICE ALTHOUGH YOU JUST MAY WANT TO USE M&S FOR THE 15 MONTHS INTEREST FREE CREDIT ALTHOUGHT CREDIT LIMITS WONT ALLOW YOU TO SPEND TO MUCH EITHER HENCE THE… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“I've held an &More card since 2003 when it was...”

Written on: 22/11/2010 by mrsblunstone (1 review written)

I've held an &More card since 2003 when it was introduced. Until last year I loved it because of the generous loyalty scheme and I never carry a big balance for over a month unless I'm in the process of paying for a holiday or something. However, since 2009 it has been nothing but trouble. It was declined abroad even though I'd rung to check it would be all right beforehand. Since then it has been declined both in shops and online even with stored details, even with M&S online! When I ring to… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“The M&S credit card is by far the worst card I have...”

Written on: 14/11/2010

The M&S credit card is by far the worst card I have had and the most hastle. Whenever I go out shopping with the card it gets declined after a few transactions, and I am now on my third card as apparantly my other two have been "compromised" although nothing has been taken out of my accoutn and they won't elaborate further. I have never had a positive customer service experience when I have spoken to them on the phone - the call is always faint and they are badly trained and out of touch… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Guest's Comment

Written on: 04/06/2011

was considering applying for one of these cards but with all of the bad reviews have decided not to.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
Read 1 Comment
★★☆☆☆

“What a tedious way to run a card scheme. VERY small...”

Written 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… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“M&S credit card. ”

Written on: 30/10/2010 by quacking duck (1 review written)

M&S credit card.
I have a direct debit to pay the full balance each month. Got back from holiday to a nasty letter and statement telling me I had not paid anything for September therefore had incurred a £ 12 late/non payment penalty charge under the terms and conditions of service to which I had agreed, would be charged interest, and must remit the minimum payment immediately.

Checked with my bank. Told M&S had failed to collect any direct debit payment for September.

Phoned M&S. Told… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“DO NOT GO NEAR THE M&S CREDIT CARD. I have paid it off...”

Written on: 15/10/2010

DO NOT GO NEAR THE M&S CREDIT CARD. I have paid it off on time and in full since applying for this card over a year ago, but when I checked my most recent statement I noticed I had been charged a hefty whack of interest for no apparent reason. When I phoned their customer helpline, the service I received was an utter joke: the man I spoke kept leaving long silences as he "checked my account details" (especially unhelpful given the cost of calling the 0845 number) and, infuriatingly, kept… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“I've had a M&S card since they launched it, and I have...”

Written on: 10/10/2010

I've had a M&S card since they launched it, and I have to say that until recently it was great - I pay it off every month and they send me plenty of vouchers, so no problems there.

For the last few months however they have 'stopped' my card more times than I care to remember. They stop it, I wait for a couple of weeks for a new one, and two weeks later they stop it again. They won't ever tell me what the security breach is...obviously their system is waaaaay over-cautious. On more than one… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Mrsblunstone's Comment

Written on: 09/11/2010

I found this review very helpful because it keeps happening to me as well. I thought it was my fault! I have had the &More card since it was introduced, it's my only credit card, had no previous problems, very rarely have much of a balance except when I use it to pay for a holiday, but a few months ago my card was stopped abroad AFTER I'd phoned to tell them where I was going and get it okayed, and now it will not work at all online, not even with stored card details on Amazon, Ebay, etc., and not even with M & S online!
<br/>Customer service is very poor and they just keep saying that they can see nothing on my account to tell them why this is happening, that some customers have experienced a 'slight difficulty' using the card outside Europe, that I should 'keep trying' as it is clearly 'intermittent' and that they are 'working on it'. It's not intermittent, it's just stopped working! They don't seem to be bothered at all. Am at my wits' end and hardly dare use it in a shop now in case it gets rejected.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 1 0
Read 1 Comment
★☆☆☆☆

“Very high interest rates that have just been raised...”

Written on: 01/09/2010

Very high interest rates that have just been raised again from October 2010..Asked customer services to review my interest rate and not interested..Will balance transfer this card and not use them again..Also seem to remember that they have declined transactions on this card several times when I use it abroad...They expect me to phone them each time I go to USA and warn them that I might be using the card to buy some dinner!… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“Do not get a M&S credit card if you intend to use it...”

Written on: 26/08/2010

Do not get a M&S credit card if you intend to use it abroad or for internet transactions. Every time I go abroad my card is declined. Imagine then, the hassle of trying to get the card reinstated whilst out of the country. At best it takes 48 hours! The same occurs on-line. Despite my obvious spending patterns, the security software constantly blocks my card and I have the inconvenience of getting it reinstated.

Customer Service is based out of India. It's very poor and they cannot reinstate… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“GOD HELP YOU IF YOU'RE LATE WITH YOUR PAYMENT TO M&S...”

Written on: 24/08/2010 by avoidmands (1 review written)

GOD HELP YOU IF YOU'RE LATE WITH YOUR PAYMENT TO M&S CREDIT CARD. (THEY WILL PROBABLY HANG YOU IF YOU MISS ONE...) AND I WAS JUST LATE!!!
AWAY ON HOLIDAY AND RETURNED AND PAID ON THE DATE DUE, CASH PAID VIA THEIR CLEARING BANK AND ACCORDING TO M&S TAKES 4-5 DAYS TO CLEAR.
THEY WERE RUDE AND RANG DAILY UNTIL THE PAYMENT ARRIVED IN TO THE ACCOUNT
AVOID THIS CARD AT ALL COSTS, YOU HAVE BEEN WARNED!!!
Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“The most terrible service you can ever imagine. Card...”

Written on: 21/07/2010

The most terrible service you can ever imagine. Card APR is promoted as 15% online however after few years my APR have suddenly become 28% when bank of England rate is 0.5%. This is daylight robbery. Not to mention the most terrible cash advance rates and service charges… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
★☆☆☆☆

“Be warned...I have not received a statement for 2...”

Written on: 25/06/2010

Be warned...I have not received a statement for 2 months and did not notice as I have several credit cards and a life. The first I knew of this was a letter warning me about my arrears, most of which is charges for non payment. I called and paid straight away, but no fee's refunded and the possibility of my credit rating being damaged. Has anyone else not received statements recently?… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Guest's Comment

Written on: 28/07/2011

Hi, I didn't receive my first statement and so was late - didn't realise as I have never had a statement and didn't know when it would come. It is very frustrating due to the report to credit agency. They said my second statement was sent on 25th, still hasn't arrived. That's why I decided to look up reviews.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
Was this review helpful? 0 0
Read 1 Comment
overview