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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