Marks & Spencer Store Card Review

The interest rates are over 20%. Miss a payment and there is a 12 pound late payment fee added automatically. I paid in full in the store, they state it takes five days to get credited... I find this totally unacceptable. Is it just to increase their charges for late payments?

My payment was received late and the 12 pound charge levied. I phoned to complain, the M&S dumbo who eventually answered the phone kept saying "that is the system" and "we haven't received your payment yet" Where was my payment, I had hand delivered to the M&S store!

I explained I would never use their card again, no concern expressed by their telephone staff. They do not deserve to keep their previously loyal customers.