Marks and Spencer Store Card

The interest rates are over 20%. Miss a payment and there is a 12 pound late payment fee added automatically. I paid in full in the store, they state it takes five days to get credited... I find this totally unacceptable. Is it just to increase their charges for late payments?

My payment was received late and the 12 pound charge levied. I phoned to complain, the M&S dumbo who eventually answered the phone kept saying "that is the system" and "we haven't received your payment yet" Where was my payment, I had hand delivered to the M&S store!

I explained I would never use their card again, no concern expressed by their telephone staff. They do not deserve to keep their previously loyal customers.

This isn't a true "Store Card" its just a credit card thats badged uo as a store card! Remove it from the store card list!!!!

It is just a credit card and not is not competative with other CCrds.

I have had a Marks & Spencer card for several years. I have always paid my statement on time, maybe late by a day or two once. I consider myself a very good customer. Recently received a letter from Marks and Spencer, not sure if this is a standard letter, or one just meant for me, but the letter told me that they were increasing their interest from 17.9% to 20.9%. I was horrified and immediately wrote and complained. I'm waiting for a reply. The letter continues to say that I had a choice, of either continuing at the higher rate, or closing my account and paying off my account at the 17.9%. I asked them if they no longer wanted me as a customer, as this was the impression I received. I would appreciate to know, if any other customer has received such a letter and why? I have asked for an expanation, as yet have not received a reply. I'm hoping this is a mistake. I'm writing this review in the hope that some other customer is having the same problem. To all those who contemplating taking out a Marks & Spencers card - BEWARE!

Extra points vouchers confusing and short dated.

M & S Claimed they didn't receive the cheque in the post paying the full outstanding payment on my account which I pay without fail every month by return of post. (My post is taken into the post office) therefore they charged me an extra £28 on my statement; When I queried this they were not very helpful at all and this caused me a lot of stress and time trying to get the charges dropped, however they flatly refused. They would not even put me through to another department as 'their' decision would be the same!

After three long phone calls including them calling me claiming I had purchased a further item for over £1,500 (this was a mistake) they still refused to waiver the late payment fee.

I did state that I would settle my acount, deducting the £28 and go back to my former credit card.

Two weeks later I received a letter stating they had waivered the fee, on this occasion!

I now pay by telephone.

Excellent promotions and reward schemes. Can also be used in their travel exchange bureau for travellers cheques or currency and not charged as a cash withdrawal.