Marksandspencermoney 

Absolute nightmare.. get a credit card agreed sign the online agreement then 2 weeks later phone customer service to find that a department has to check it… they have no clue what’s going on, how long you have to wait… going to take a credit card from another company and if this ever turns up, I’ll cancel it

Applied online for Credit Card which came up as accepted then lost the page. I was expecting an email to acknowledge the application, when I didn't I went into application page and input my details a 2nd time (thinking it would retrieve my application). A message then said it was declined (assuming because I now had 2 hard searches against my name etc). I then spent over 30 minutes trying to get through to someone who told me my application had been approved and I would receive an email to sign within 24/48 hours. After 2 days when I still hadn't heard a thing abd then spent ages trying to ring them again. A different person again said my application had been approved but couldn't give me a time scale when I would receive any communication. Basically saying "you'll hear when we get round to it, and we don't send emails acknowledging an application 🤔🤨) I still haven't heard a thing, there are now 2 hard searches on my credit file (I asked them to remove one but in all honesty I don't believe they know what theyre doing). This is a joke of a financial institution. I don't want to apply elsewhere for a credit card because it will mean a third hard search on my credit file. The agents at the (abroad) call centres are unprofessional and just fob you off to end the call. I don't want to call them again but there's no email address to send a complaint. The M&S brand is being ruined by this "so called" Bank. Absolute disgrace.

Customer service is absolutely Ryde and terrible. No online access to loans to be able to pay it off online if needed. You can only access loans online if you have credit card even then no transaction can be done on loans. App is terrible. if you forget password it makes you go around in circles you call up and staff are terrible Aaaaaahhhh. STEAR CLEAR BAD BAD BAD

Applied for an M&S credit card. Four weeks later, still no credit card. So I tried ringing customer support - and I thought EE customer service was a joke! Four calls over the course of a day, each one lasting more than 30 minutes - two calls abruptly ended the the CSR that had answered the call, one CSR told me to ring a different number which turned out to be disconnected, and another CSR told me to call back later as the Applications Team are all at lunch! None of this was helped by the fact that the call centre is somewhere in Asia and the CSRs don't speak good English! What an appalling way to run a company.

I agree with the other 1 star reviews on Trustpilot. I applied for a credit card weeks ago, they sent me an agreement to sign and also got me to provide my bank details to set up a direct debit. Great, I thought I have been approved. But that wasn't the case! I then had a phone call from some callcentre by someone who could barely speak English, and had to send payslips, private pension payslips, incomings , outgoings , copy of my driving licence etc only then for them to say No! My credit score is "Excellent", I have not missed any payments whatsoever and my income is more than enough to afford any repayments (but they said not). I have applied to other mainstream banks in the past year and have had instant acceptance and not had to jump through so many hoops. M&S I want confirmation that you have destroyed ALL of my personal information that I sent you as you have no right to keep it now. And you should NOT be asking people to set up direct debits before you have made a decision! Absolute joke and as others have said, they should stick to food and knickers.

Their credit card app is truly awful. Trying to pay it is a nightmare. Payments frequently don’t go through. You can’t set up a direct debit through the app, you have to do it over the phone. And then it takes 2 working days for your payment to reach them at which point even if you paid on time it can be classed as a late payment. Absolute jokers. The money is no longer in my account and I’m being called and hassled because of late payments because of their two working day issue. But when I tried to pay earlier that month the payments weren’t going through. Do not get a credit card with them.

It has been 10days since being approved and signing documents and still no funds in my account,also none English speaking customer service had no idea and put phone down on me

We've had the same experience as many other reviews on here, can't sign in to credit card app, absolute nightmare have given up trying. Call centre is an absolute nightmare trying to understand pigeon English. Looking elsewhere for a credit card with a UK call centre.

The worst app known for 2024!

Seriously the worst app and website. Why oh why they are stuck in 1980s for their apps and sites is beyond me! I just want to pay my bill but they make it so hard! Why haven’t you got the option of apple pay for one! Two your reward scheme is ridiculous! I spent £3k on my card and got a measly £2! That’s right £2 what you expecting me to buy with that?! It’s a joke wish I had gone with some else! Capital one are so much easier it’s ridiculous and embarrassing!

M&S should stick to retail - there banking service is rubbish!

Don't ever forget your sign in details because it's impossible to follow the procedure to reset! I've given up trying and will just pay off credit card and close account. Or you call you get someone on other side of the world who sounds like they're underwater and the conversation is impossible. Expected a better service plus they've lost out in a large amount I was intending to save with them. Avoid

Applied for a loan.. they did a hard check.... approved straight away and signed agreement... got email to say they would do some final checks and then they would sign and I'd have money in 3 days. It's been 3 weeks and I've heard nothing. Applied with a loan with zopa and had it in 3 hours! Not sure what's happened to m&s as I had two loans in past which the communication was fast and spot on. I'm assuming my application had been cancelled... or lost. Lesson learnt. Do not use m&s for money any more.

Indian call centre, man kept talking over me when I asked for some help regarding fraud and then put the phone down on me.

My mother had a bank account with this provider and for some stupid reason they shut down all of their current accounts. Then to add further insult to injury, they decided today to not allow her to use her credit card anymore, despite the fact they told her not long ago after they froze it, they would unblock the card after successfully paying off all of the debt. This bank should be shut down for good. I'm disgusted by their actions. Metro Bank are just as bad as they've stopped issuing credit cards for some stupid reason as well. Bloody banks!

I wanted to ask a few questions on the phone about my credit card when I got to speak to a person could not understand very poor English and they could not understand me and to make things worse they were outside and you could hear the wind .
Very poor service!! Hope bank listens to the recorded phone conversations .

Absolutely appalling service from Marks and Spencer bank. Wrote to them 6 months ago regarding a bereavement and an outstanding payment due to the bereaved persons estate. Still waiting for the payment despite various letters chasing it up, completed their forms and sent the relevant paperwork. Their communication is poor and slow. I wouldn’t recommend this bank.

Should stick to Sandwiches, they can't do banking

Absolutely diabolical, M&S should not be offering loan products when they are incapable of providing the service. Told 5-10 working days for approval, then 5 - 10 working days for the funds, after having my application cancelled twice no fault of my own. Completely misinformed information numerous times. Don’t waste your time or searches on your credit file! FCA SHOULD BE MADE AWARE

Terrible website
After putting in all your details it asks you to open your banking app to authorise but as you have to leave the site it deletes all your details and starts again. Have tried over and over but same thing happens so you will need 2 devices to complete an order

I have had a long standing club rewards credit card with Marks and Spencer Money yet when I needed help over a failed delivery from House of Fraser stores they were singularly unhelpful. Their forms did not work and their call centre showed the same lack of service as House of Fraser. I explained I had a disability and required more help but was refused it. In exasperation I have given up and am out of pocket. It has left me with a bad feeling about M&S Money and their foreign call centre. M&S as a household brand in UK is performing very poorly when customers try to exercise their consumer rights in purchasing on line