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Home > Finance > Banking & Personal Finance > Store Charge Cards > Marks & Spencer Chargecard
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5 Reviews

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I applied for my first M&S charge card while at uni (that was many, many years ago now!) Then this was the only card accepted and this has only recently changed. I was accepted and a couple of... more

User Reviews

for Marks & Spencer Chargecard

Rating Summary based on 5 reviews

  • 5 Stars
    		0
  • 4 Stars
    		1
  • 3 Stars
    		1
  • 2 Stars
    		2
  • 1 Star
    		1

Detailed rating

  • Additional Charges
  • Competitiveness of APR
  • Ease of Application
  • Product package
  • Quality of Customer Service
  		• 2.7
  		• 2.7
  		• 3.7
  		• 2.7
  		• 4.3
  • 92 of 92 Ciao users found the following review helpful
    Picture of whitbybunny

    whitbybunny

    3 Stars More and More Stupid 26/11/2001
    User recommends the product

    Advantages Advantages Cheaper interest and credit protection rates than most

    Disadvantages Disadvantages Another temptation to buy, the company try to get your other business

    The title more stupid (M&S) relates to me and definitely not this company. You may have read in my recent financial ops that I work for a High Street Bank. I also have the letters Cert.CIB after my name (Banking Exams). Yet none of this stops me falling for the usual old talk and high interest rates! I have many storecards but although the concept itself is expensive and a bit of a con, the M&S card is one of the better ones on the market. The thing is storecards just can't compete with the better offers that are available via the credit card sector. I am writing about the M&S Chargecard and ... more
  • 49 of 49 Ciao users found the following review helpful
    Picture of redpen

    redpen

    4 Stars And more... 11/05/2003
    User recommends the product

    Advantages Advantages Easy to use and 10% off days are fab!

    Disadvantages Disadvantages Considered to be outdated and restrictive, useless inless a regular

    I applied for my first M&S charge card while at uni (that was many, many years ago now!) Then this was the only card accepted and this has only recently changed. I was accepted and a couple of weeks later I had the card. It was so useful while at uni- I was never a hungry or starving student!! - Every Friday it was ready meals and booze on the charge card and then the bill went home to my parents (Which I might add I am paying for now, both Issy and Hugo regularly send me there bills, I do ask them what do they think an allowance are for, and I swear I never used to spend so much!) Today the ... more
  • 15 of 17 Ciao users found the following review helpful
    Picture of Connoisseur_Haggler

    Connoisseur_Haggler

    2 Stars Marks and Spencers Store card fading value 27/11/2000
    User doesn't recommend the product

    Advantages Advantages used to be only credit card accepted in store (NOT anymore!!), get free M&S magazine

    Disadvantages 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 completely.. the "only" thing that is given to M&S Chargecard holders is a complimentary copy of the M&S magazine (normally £1-£2 to buy) and only ... more
  • 3 of 7 Ciao users found the following review helpful
    Picture of ICerva

    ICerva

    2 Stars A measure of quality 10/12/2000
    User doesn't recommend the product

    Advantages Advantages Being a difficult card to obtain, it carries a little prestige.

    Disadvantages 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 all credit cards. Other than the occasional special offers there is very little incentive to apply for this card any more. That said it has ... more
  • 5 of 10 Ciao users found the following review helpful
    Picture of willsmj

    willsmj

    1 Star Sky high 14/03/2001
    User doesn't recommend the product

    Advantages Advantages magazine

    Disadvantages Disadvantages expensive

    Have you been shopping lately? The majority of you have I'm sure. But how did you pay? Around 75% of us will use a credit card of some description. Easy way to buy things, and easy ways to pay. If you pay your balance off in full every month you do not accrue credit or interest charges, but if you pay only part of your balance and do pay interest charges you will notice how expensive card shopping can be. You shop around for a bargain, get discounted goods, then pay by credit card and incur high interest rates, which makes your original purchase rather more expensive than you realise. Marks ... more