M&S Credit Card Reviews 

Midland Eye Hospital , confirmed catarah and Glucoma in both eyes and a mini stroke affect on left eye in November,2024.I was just paying by DD and was not checking my card statements . After eye operation on right eye January,2026 I had a building and content miss DD payment which was due to a fraudulent DD payment.
Experian told me to phone and checked with M&S. M&S Credit Card checked and found a fraudulent direct debit payment spanning back to March,2025 and refund me every penny . Cancelled ,and gave me a
new M&S credit card and pin .Looking back the
Customer Assistance was patience and a good listener
and gave me some safety tips like paying by phone.
I cancelled PayPal online payments, since they store
your cards and use payments by phone when I set it up.
Thanks you very much for your help.

While I am happy using the credit card, I am increasingly irritated by the online website trying to bully me into changing to the i-phone app. Whenever I log in, I am offered a button saying 'don't offer this again' which I use but - if I'm lucky - it only acknowledges my decision on the next occasion, then it reverts to the default. I do not want to use the app. and if it wasn't for the M&S Rewards vouchers I would consider going elsewhere!

The card does all I need and is accepted everywhere. Keeping track on spending is easy and app is easy to use

I have always been aM&S credit card holder for 10/15 years + they have the best rates for balance transfers, they will sort out any problem with fraud, network problems, never make me feel my questions are stupid, etc etc contact me regular for updates the list is endless the staff they have must be hand picked all very polite lovely friendly helpful people I have no negative comments to make thank you .

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
.

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.