M&S Credit Card Opiniones 

I highly recommend the M&S Credit Card. They offer excellent balance transfer rates, and their online banking software is incredibly intuitive and easy to navigate. Overall, a very smooth and positive experience!

I asked for a balance transfer to my card. I got a very rate nd payment window than other cards.
Easy to transfer and as I use the app, the whole experience was positive

The transfer was very simple, the agent was polite and explained the proceedure simply and exact. I knew what was happening from start to finish, I wish the term could have been for 24months not 12 monhths but I understand why its 12 months because of my age but I thank M & S for thier help.

M&S Credit Card is one of the most straight forward cards that I know. It does exactly what it promises, and in a believable, reliable and simple manner. I really depend on it.

Received a transfer offer at very reasonable rate. Transfer was done quick and efficient fully completed in 2 days. Transaction on app easy to understand.

My balance transfers were processed quickly and easily with no hassle. Top notch experience 👌

Responsible lender and love the app. To check credit card on. Well worth £10 monthly fee to link with M& S Rewards Club , in the first month I received £25 off home beauty or clothing and coffee vouchers . Got a good 0% interest on a balance transfer and any additional purchase for 9 months . Interest rate thereafter not bad . Highly recommend . Smooth process from application to being approved and receiving my card

So quick and easy to complete the balance transfer, reasonable charges. Love it!

Prompt reliable company who met expectations. A name synonymous with quality and trust.

32yo with an excellent credit score with all 3 providers, stable job, additional rate tax payer, single, no debt.

Applied for a personal loan on their website for a used EV because their promotional APR is the best (5.9%).

They lead me on for a full week, sent an SMS saying I was approved, asked that I upload a payslip, left a hard search on my credit score, congratulated me and invited me to sign, just for THEN to casually mention on the SECOND page of the contract that my APR would be a 13.9% payday loan shark equivalent. Just when I was signing.

Cheers lads, a week wasted, Barclays would have given the money same day at 6.8%

carry on registering the credit card
finally after renewing my passport was able to do so
then was locked out
on phone after going through hoops you finally get someone who sounds robotic going on and on about M&S security and terms and conditions then telling me to try again using my password
whole point was i forgot my password
no luck
long story short after using card a few times decided to cancel it
again went through hoops to finally get someone please cancel card i no longer use
couple of weeks later gets text "your account is now cancelled" no letter
i will stick to my bank in future

Very happy with the easy and straightforward process to transfer my balance

It was very good. Thank you

M and S bank used to be reliable with good service and friendly and helpful real people to talk to. Unfortunately, with bits of the company being sold off, it feels like we're no longer wanted and are a bit of a nuisance.

It's fine if you're happy to push buttons or 'chat' to a robot and if your query is straightforward. So much, so much like many other mediocre companies. M and S banking had a fantastic reputation but it's been trashed by recent moves on its banking and credit card side.

Absolutely useless. Getting any kind of support is a nightmare. Customer chat doesn't work. Out of three options to pay your balance, only one works. Reactivating access on a new device is impossible as "verify with selfie" function has been down for weeks now. It's clear no one is monitoring these services.

Once you have been approved it straight forward all the way. I have had no problems with my card. I like the fact that you have a choice of managing your card online or by app. You can manage your account very easily and would recommend the M&S credit card.

I applied for an M&S credit card specifically for the 0% purchase offer and was approved. Since then, trying to actually activate and use the card has been an absolute shambles.

The new digital ID verification process has failed repeatedly. Initially I was told it was because my application said “First name Surname” while my driving licence shows my full name including my middle name. That was corrected whilst on the phone, I was then locked out for 24 hours because I had apparently tried too many times as the system tells you to try again.

I waited 24 hours and tried again today, without any luck, so I called again. Since then I have been told different things by different advisers. First I was told my selfie didn’t work but if I tried again it definitely would. Well… guess what?! Fail.

Then after calling again I was told the lighting wasn’t good enough. I have followed the advice given, changed the lighting, changed how I had my hair and attempted the identification process several more times. It still simply says “identification failed.”

I have now spent a considerable amount of time on the phone to M&S, including being disconnected during one call, and have received conflicting information about whether the card can be activated another way. I was told it could be activated in exceptional circumstances by one advisor, but others just hold the line that I must use the app - which won’t register me. Marvellous.

The particularly frustrating part is that M&S have already carried out the credit application and I now have the account/search on my credit file, yet I cannot access the product I have been approved for because their automated identification system cannot verify me.

I understand the need for security and identity checks. What I do not understand is why there appears to be no straightforward manual alternative when the automated system repeatedly fails for a genuine customer who has valid photographic ID.

Someone is currently looking into whether there is a workaround, so I will update this review depending on the outcome. But as things currently stand, the experience has been extremely frustrating and has taken multiple calls and repeated identification attempts simply to activate an already-approved credit card.

For a bank, there really needs to be a reliable alternative when digital facial verification doesn’t work and for customers still operating with a Nokia 3210!

EDIT: After calling again for the 7th time in two days, I managed to express my frustration and the first thing I was told was that the card would be activated over the phone. Hallelujah.

However, I still can't use the app because apparently I need to submit another form of ID. My passport is currently being renewed, so that will have to wait... the saga continues.

I transferred three balances and, in each case, the transaction was completed with incredible speed. Well done M&S on the efficiency of your systems.

I used it daily on my shopping to track my spending. It is easy to use.
The points or vouchers on spending is slow to be converted.
I not keen on the chatbot, prefer to deal with a person.

Good rate and fabulous balance transfer offers. Easy process and fast also.