Marks and Spencer Card- Confused slightly

JayZed

Kavanne wrote: »

But surely it'll be worth it for all the points?

Sod the points, all I want is 10 months interest-free purchases - I've got a big payment to make this week (wife's university fees) and I want to spread the payments over a few months. Now I'm going to have to put some of it on an interest-bearing card and squeeze myself over the next couple of months to pay it off quickly. I suppose I should have applied for an interest-free card sooner, but I've never had a cc application take this long before. :mad:

ShelfStacker_3

sutton111 wrote: »

You can't beat M&S food can you.

M&S is good for a treat. For everyday stuff, you go to Waitrose.

At least, I do...

Neither of the !!!!!!!s will give me a CC though, so screw em both.

Kavanne

Jay, I applied for a John Lewis card this weekend and got an instant yes decision, didn't ask for any further info. They have 6 months interest free so perhaps give it a go?

Raymondo111

My daughter recently applied for a M & S card (her first credit card) and was accepted - from application to receiving the card took about 10 days.

No phone calls and no other contact - it may help that both my wife and I have M & S cards with no adverse history so no problem with M & S from my perspective.

Raymondo111

clio

Is the M &S Card instant decision or do they allways take forever.

iceliquid

I finally have my new card in hand....ten weeks after application!

Now...onto the main reason I applied and that was to take advantage of the Balance Transfer....10 months interest free.

Well I called up the number this morning got through to robotic agent (offshore contact centre) ...who said "Sorry, no special offers on Balance transfers, maybe call next week?" :rolleyes:

What is that supposed to mean?

Do you have to apply and get approved for a Balance Transfer as well?

nzseries1

The M&S card hasn't had any balance transfer offers recently that I know of. Their offer has always been 10 months 0% on purchases. There may have been an offer on BT's at one point, but I think it was 3 months max.

What does it say in your terms and conditions?

EDIT: I lie. The M&S website says:
0% on balance transfers for 6 months (2% fee, minimum £5). However this may be for new customers. Your terms and conditions will give you details of the specific offer you applied for.

System

just applied for the M&s card it says 10 months 0% on shopping, does this mean any purchases, and not just shopping like most cards


james

farhadhussain

any luck for anyone else applying for m&S..ive applied yesterday..no checks yet on my file..was told i would be told in 48hrs..

Robert_Sterling_3

I think that the Marks & Spencer credit card is a bit of a chiz ( except that it does own up in the small print ) as it is not Marks and Spencer as far as I know it is a bank licenced by Marks & Spencer. ( N.B. All perfectly legal and above board but it fooled me ! )