Marks & Spencer & More Card Reviews
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“Credit card declined”
Written on: 25/07/2020 by ygWade361 (1 review written)
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… Read Full Review
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“Words and figures do not match?”
Written on: 19/03/2020 by NigelBowditch (1 review written)
Absolutely hopeless. Very disappointing. My cheque to clear the months balance was returned "Words and figures do not match" After nearly half and hour of waiting on the phone I spoke to a person in India (who I could barely understand) who told me to make an immediate payment by debit card to avoid fees. I explained that £1311 in figures and "Thirteen hundred and eleven pounds" in words were the same thing. She initially agreed with me, but after not being able to transfer my call to… Read Full Review
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“I was persuaded in store two weeks to apply for an M&S...”
Written on: 20/01/2018 by JasleneJordan1989 (1 review written)
I was persuaded in store two weeks to apply for an M&S bank cred card. The incentive I was offered was £20 vouchers posted immediately on approved application. And £25 vouchers after my first purchase. THIS was the deal I didn't get any vouchers and when I called to find out why they said the deal had changed... I needed to spend £100 before I got any vouchers! Totally misrepresented themselves to get me to sign up! Disgrace … Read Full Review
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“Shocking service from such a prestigious brand avoid,...”
Written on: 07/02/2017 by Ricky7777 (1 review written)
Applied for credit card, got accepted, sent of signed forms which they lost. Signed second set of forms heard nothing after 6 weeks, called and held on for an hour before being cut off by them. Finally got through to India unfortunately I couldn't understand what was being said to me, got cut off again. Sent an email to chase and still 2 weeks later haven't heard anything. Abysmal service, poor customer service no one should have to hold on for an hour just to be cut off. This is a British… Read Full Review
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“Unprofessionsl and unethical”
Written on: 06/01/2017 by Gloria362 (1 review written)
Customer service based in india are clueless and they do not follow rules to protect consumer rights. Whole thing is cumbersome and impossible to recover fraudulent charges… Read Full Review
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“Shocking customer service, best avoid!”
Written on: 23/12/2016 by simon3030 (4 reviews written)
Possibly the worst customer service in the UK, provided by none other than an Indian call centre! trying to get a problem resolved over a transaction has proved impossibly, I have now binned the card and will be sticking to Tesco credit card from now on… Read Full Review
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Read 1 Comment
“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
Borisesmum's Comment
Written on: 27/08/2016
I'm just reading these reviews for something to do while I wait for their Customer Services to answer the phone - 10 minutes so far adn from these reviews I think I am probably wasting my valuable time.
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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
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
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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Disappointeddvm's Response to simon3030's Review
Written on: 06/01/2017
Could not agree more
Extremely unethical and unprofessional
No one calls back in 48 hours
Try their best to get out of disputed transactions
People in India helplesd