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Home > Finance > Banking & Personal Finance > Store Charge Cards
A measure of quality 3 of 7 Ciao Users found the following review helpful
Rating from ICerva 2 Stars ()

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 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 always been a difficult card to obtain and being approved is a sign of a good healthy credit rating.

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  • fuzzibear 23/04/2004 22:19
    Rated this review as
    		Somewhat Helpful
  • redpen 30/04/2003 00:52
    Rated this review as
    		Somewhat Helpful
  • sue.51 10/08/2002 15:12
    Rated this review as
    		Somewhat Helpful
  • Connoisseur_Haggler 20/12/2000 13:37

    thank you Icerva for your comment on my M&S opinion, no offence taken. but I honestly cannot add any more info. on this M&S storecard, I have already listed the benefits i.e free M&S magazine, and instore vouchers FOR CARD HOLDERS..I could not see many more benefits from your own opinion M&S either..mmm maybe we both are missing something here..? thank you once again

  • Connoisseur_Haggler 20/12/2000 10:53

    hi, I am sorry you didnt find my personal opinion on M&S chargecard very helpful, if you can give me some feedback on why it was not useful..I could expand it, but that is "honestly" the response and what I feel M&S chargecard did for me! thanks

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