Marks & Spencer Chargecard

Marks & Spencer Chargecard

... I needed to buy some suits and for my budget ie: credit needed now! Marks and Spencers seemed the best option. I still have the suits and wear them now so I can’t complain about the clothes. So although I know all of the scare stories about storecards and the interest rates I still applied ... Read review

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Reviews of Marks & Spencer Chargecard »

1-5 of 5 reviews of Marks & Spencer Chargecard

More and More Stupid

Advantages: Cheaper interest and credit protection rates than most
Disadvantages: Another temptation to buy, the company try to get your other business

...budget ie: credit needed now! Marks and Spencers seemed the best option. I still have the suits and wear them now so I can’t complain about the clothes. So although I know all of the scare stories about storecards and the interest rates I still applied for one because I had no other choice.


** What was the application process like? **

I applied for my card in Marks & Spencers Bournemouth on the 22nd March. ...
...discount on personal loans via Marks and Spencer Financial Services, Card Safe Protection and Payment Protection. None of these are really extras as these things are all available from other High Street Retailers. I also manage to pick up a free magazine, which normally sells for £2 whenever I show my card at the local M&S foodhall.


** How to pay **

Minimum balance or the whole balance is payable by direct debit ... more

whitbybunny 26.11.2001 (26.11.2001)
Ciao members have rated this review on average: very helpful
Review of Marks & Spencer Chargecard

Competitiveness of APR

Product package

Quality of Customer Ser...

Reward Scheme

Additional Charges

Security and Privacy

Ease of Application

And more...

Advantages: Easy to use and 10% off days are fab!
Disadvantages: Considered to be outdated and restrictive, useless inless a regular

...years regarding performance and profits Marks and Spencer now appears to be in recovery. The charge card’s benefits include: Although I have never used the interest on the account, because I make a point of paying off my balance every month (I might be the only one who finds this strange but I define a charge card as something you pay off every month) …Anyhow the current APR is 18.9% which is very competitive as other store card’s interest rates ...
...no annual fee and allows you 55 days interest free credit before settling your balance. You can also have a joint account, which allows you to have an additional cardholder, perfect for your other half! Other benefits include Discounts on home contents insurance with MSFS, if paid for on the card. Free M&S Magazine (although cardholders were previously allowed free M&S catalogs too- they have stopped this now) and commission free travel money. As ...

redpen 11.05.2003 (31.05.2003) · Read full review
Ciao members have rated this review on average: very helpful
Review of Marks & Spencer Chargecard

Competitiveness of APR

Quality of Customer Ser...

Reward Scheme

Marks and Spencers Store card fading value

Advantages: used to be only credit card accepted in store (NOT anymore!!), get free M&S magazine
Disadvantages: will receive endless mail from M&S financial services

The M&S store credit card used to be unique...but not anymore! Until March last year (2000) M&S were the only department store to REFUSE to accept any other credit card except their very own M&S credit card. So what is special if anything; about their very own credit card, well not a lot, there were NO real bonuses or loyalty discounts for members* (such as Debenhams Cardholders). APR was a standard 21.2%. Oh, hang on before I put down this card ...
...holders is a complimentary copy of the M&S magazine (normally £1-£2 to buy) and only recently they have started to offer £5 off vouchers off clothing only if you spend "at LEAST £50" on clothing and that’s about it!! Compare that to other store cards which offer 10% off on as little as £20 minimum spend. These days whatever you do M&S vouchers are being thrown at you, by Insurance companies, by car dealers; if you get invited for test drives ...

Connoisseur_Haggler 27.11.2000 (21.01.2001) · Read full review
Ciao members have rated this review on average: very helpful
Review of Marks & Spencer Chargecard

Competitiveness of APR

Quality of Customer Ser...

Reward Scheme

A measure of quality

Advantages: Being a difficult card to obtain, it carries a little prestige.
Disadvantages: Like all store cards it is expensive and useless elsewhere.

The Marks & Spencer store card may not be the best of cards to hold. In fact it doesn’t even come close. I would always advise against the use of any store card as they all come with very high interest rates and the Marks & Spencer store card is no exception. There used to be a time when the credit card user was forced to try and obtain this card if they wanted to shop using credit at Marks & Spencer, but all that has now changed since they now accept ...

ICerva 10.12.2000 · Read full review
Ciao members have rated this review on average: helpful
Review of Marks & Spencer Chargecard

Competitiveness of APR

Quality of Customer Ser...

Reward Scheme

Sky high

Advantages: magazine
Disadvantages: expensive

...more expensive than you realise. Marks and Spencer credit card is one of these. The interest rates offered on the M&S card are very high. Why anyone would want to use this card I don't know. There are not even any perks for using it except for a free £1 magazine around four times a year. Shop around for interest rates on cards. Steer clear of this one! ...

willsmj 14.03.2001 · Read full review
Ciao members have rated this review on average: helpful
Review of Marks & Spencer Chargecard

Competitiveness of APR

Quality of Customer Ser...

Reward Scheme



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