Marksandspencermoney 

6 weeks later and still no word from these guys on my credit card application…..

Went with HSBC in the end who gave me a decision in 48 hours

I wish I’d come here to read the reviews first.

I applied for a credit card, and now I’ve been told there’s a backlog of 4-6 weeks which is no good to me.

Trying to apply with a different company now could be problematic, as they’ve already done a search on my credit file.

This should have been advised at the point of application.

Just went to the trouble of filling in the credit card eligibility form on line only to be told at the end that

SORRY,ELIGIBILITY CHECK IS NOT AVAILABLE
PLEASE TRY AGAIN

NO Chance
Why does it not say at the start instead of wasting my time

Atrocious experience, 2 month application and then product supplied not what was applied for. Customer service staff have no information or ability to access anything useful. Management do not respond. Wasted a lot of my time. AVOID

I applied for a card on 17th December with the hope I'd be able to use it over the Christmas period and after submitting the online application was given a message saying "I would be notified if my application had been successful within 5 working days".

It's now 7th January and still not heard anything. Reading the reviews here it seems they have a backlog but if so why can't they send out a simple communication through email, text etc to let people know what's going on at least.

Really annoying as there were several other credit card providers with 0% purchase offers available I could have chosen instead but unfortunately for me I chose marks and Spencer!

I have had a credit card with M&S for several years and I find them to be the most proactive bank for identifying fraud on my account. I received another contact last week about potential fraud on my card. I confirmed it was a fraudulent transaction and they sent me a new card. When I tried to upload my new card onto Google Pay they phoned to check it was me. Whilst it can feel like a hassle, I like the fact that they are always scanning for erroneous transactions and querying them. My other credit card companies are not that proactive. I think their service is excellent.

The most appalling app and user experience of anything I've ever used. You can't create a direct debit in the app, or seemingly anywhere. Logs you out, glitches, freezes, locks your account randomly with no way of getting back in.

I actually can't believe they haven't had legal repercussions for creating a system almost designed to make you miss a payment

Apparently I have been successful in my application but due to the backlog- it's taking over 1 month to process, and an email they sent for a signature - it's never arrived, they will send it again when someone checks the message.

Appalling from a company that comes with a good reputation.

Took out a loan with M&S and paid the first instalment then rang and moved my payment day 10 days later although still in the same month which they set up. The following month I got daily calls telling me I had missed a payment and after trying to speak to them being cut off three times and then having to spend 1.5 hours on a web chat to at least 5 staff members all of them utterly clueless. Eventually spoke to someone who agreed everything was ok with my payments. I then continued to get calls and a letter saying it will impact my credit report. Lodged a complaint 8 days ago still waiting for some contact. Avoid at all costs they are utterly incompetent to a level I have never seen before. 1 star is far too generous for this utter shambles.

The app is so basic and something from 20 years ago! You can’t actually see your balance on the app, unless you wait for the statement each month.
I’m looking forward to paying this credit card off as quickly as possible and will close it. I’ll reopen one with NatWest who have been exceptional over the years!

I applied for this credit card through the MSE ‘eligibility check’. I wish I’d read these reviews before I applied.
I suppose I trusted MSE & M&S.
I had the same poor experience as everyone else; I applied online in November 2023 and was notified (on screen) that my application would be processed ‘in 5 days’.
A month on I’ve received no contact, not even an email acknowledging my application.
When I called them the recorded message warns that they delayed, dealing with numerous applications.
I checked my credit file and I’m irritated that they’ve carried out a hard check.
I gave up waiting and applied elsewhere. This experience has damaged M&S’ reputation. I’m informing MSE that they’re setting their users up for a fall.
I know that M&S Money are aware of these terrible reviews (if people tick the box to alert them) and it’s notable that there is no response from them.

Atrocious credit card application backlog with zero communication and incompetent customer service process. I applied on 7th Nov, was accepted and signed credit agreement on 17th (not within the 5 working days) and today (20th Dec) have still not had any further communication or card received. I have rung every 2 weeks and have now been told they can't even pass me onto the team as they are no longer accepting calls. Disgraceful - no one applies for credit cards for fun and I now have 2 hard credit searches they did on my report in that time.

Tried to apply online for a cash isa. Application form would not accept my mobile number despite asking for it. Inputting debit card details,form asks if card has a start from date, I select ‘no’. Comes up error, put in start up date. Rings up Customer Services they advise I should contact my bank for this information. My solution is to go to a proper bank instead of this joke

Applied for a credit card and had to wait almost a month before hearing anything from them, despite me chasing up with them several times.
The onboarding and information checks is archaic.
I got fed up with waiting, applied with MBNA and got approved within approximately 3 minutes, and will receive my card in a few days.
M&S need to get with the times!

M&S Credit card are an absolute joke. I applied for a credit card on 6/12/23 and was notified that i shall hear from them in 5 days.
I have called twice after waiting for the 5 day period and I keep getting the same answers. "there have been a large number of applicants and the application is with the underwriters who will get in touch via email or text!"
Absolute waste of time and really annoyed that I am now left with a hard search on my credit file.
AVOID AT ALL COST.

Terrible app and website which has processes/advice/support which give incorrect actions which cannot actually be carried out. Very frustrated customer!

What a terrible app, it would not accept the credit card number, the postcode or the memorable information, it would not let me go back to check so I had to restart my phone or re install the app. In the end I gave up and uninstalled the app.
I've tried ringing m&s took 20 minutes for them to answer then immediately cut me off. Well done m&s

Got a credit card...used it and I have no way of paying it off!? The app is useless and you have to bounce between the credit card app and their internet banking website. It states I have a direct debit setup but I have no way of knowing from which account or for how much. Essentially the tech and non-existant customer service that sits being this service is pants.

No communication or notification regarding interest charges just charge what they want and customer service is disgusting so rude and unprofessional
Avoid this company