M&S Credit CardReviews 

The customer service is excellent always helpful and polite the staff are a real credit to marks&spencer

Customer service is what makes the difference here

Really like the M + S credit card + the sparks offers - Good value + discounts on varius food. Clothing. Homewear. Footwear ect. I shop in M+ S regular as the nearest store to me is 25mins away by car. I love it
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I have had M&S card for years and years and love it. Great benefits, excellent service, easy app and their security systems seem to work very well. I find it reassuring.

Its so easy and you can earn points when using the M&S credit card
To enable you to spend in The shop you get your statements to tell you what you owe and on the M &S banking site lots of information

The app is much too complicated. I've been trying for 2 days to unlock my care. Can't talk to a person. Chat line keeps telling me to reword it.
Seriously considering cancelling the card

Helpful on the rare occasion I’ve needed to interact.
On the ball with security measures.
App easy to use

Any issues that i have experienced with sellers have been resolved very quickly.

Even 1 is too high.Since new app upgrade have lost all access to banking app Customer service team just pass you around then promise call back (to get you off the phone ) then don't call back .Still having issues Worried data has been compromised expressed to service team but they do not seem to care or too much trouble for them to look into.What was the saying COMPUTER SAYS NO so you don't exist or matter

Always good to use this card. Bank was proactive recently in identifying two rogue payments in the US and promptly contacted me to verify and then cancel card.

A recent attempt to use the card online was frustrated by a security check. Being in a hurry I used another card with no problems.

Since having my stroke I am struggling to get into the app. M&S have made it impossible for people like me since upping there security!

Accepted just about everywhere, easy and safe for me to keep updated and easy to make payments

Been with M&S Credit Card for some years now and have had brilliant support, help and advice. Customer service is always great and helpful. More importantly, M&S picked up on my card details being used by someone else. It was only a £5 transaction (to begin with) but M&S put a stop on my card immediately and contact me. This saved further usage and a possible big spend on my card. Yes, one time they put a stop on my card and I had made the transaction, however, they soon rectified this on conformation that I had made the purchase. Much rather that than someone else basically stealing by using my card. Thank you M&S

Very unhappy . A few months ago I requested an increase in my limit , completed a lengthy question and answer session , talking to a real advisor , who in the end said , ok we’ll let you know in a few days .
I never received a reply.

For several years the women's clothing has been tasteless. I rarely find anything I would want to wear. I only buy food and that is when I have a Sparks voucher to use. I refuse to use self service tills.

Excellent service, account view is always up to date so I can see my spend and payments. I requested a balance transfer from a card where the interest rate was higher, this was actioned within 2 working days.

M&S credit card has been exceptionally good for me... great to have the comfort of available e money when you need it and low to no costs if you pay in full on time

Overall very happy with my M&S credit card I find it so much easier to pay my monthly bills by bank transfer once you set it up

I've been a long-standing customer with M&S Bank and have been very happy with their service. I've never had any major issues but small queries were resolved promptly. I'm happy to keep using my M&S credit card.