M&S card new offer

vwman_3

Cardinal-Red wrote:

Thanks Iamchrisli... applied myself.

Also got the email within 48 hours message; so hopefully by your logic VWMan I'll get this outrageously good sounding card.

Or it could be the other way and it'll be VWMan laughing all the way to a 3.9% LoB Transfer!

Hiya C-Red
No my logic is, If they were going to give the card why the hell dont they say so in the e-mail instead of 'let you know by post' crap, it appeares from OP that applications by phone are informed yes or sadly in his/her case no stright away.

Dangerboy

Just got an email through containing this reply:

"Welcome to the exciting world of the &MORE Credit Card. It's the only card to be seen with and the only credit card you'll ever need. We are pleased to confirm that you are just a couple of steps away from receiving your stylish, new black card.

Your agreement will be sent in the next few days. Please sign, date and return it at your earliest convenience in the pre-paid envelope, keeping the yellow pages for reference and returning all of the white pages. If you have requested Payment Protection Insurance please make sure you complete the tick box and sign the appropriate box on the agreement.

Meanwhile, if you have any queries please contact us by return e-mail or on the number below.

Yours sincerely,

Customer Services.
Marks & Spencer Money"

So it's all steam ahead by the looks of things.
Was looking to use the card like a 0% loan to buy a new mountain bike- am I right in thinking as long as I meet at least the monthly repayments every month, no interest would be payable?


BTW, this 0% on puchases thing- does it act like a 0% loan if I wanted to buy a si

iamchrisli

havekidsamskint wrote:

I got stopped in a shop today and offerred one of these cards, said yes but I didn't have time to do it in store so I took the form and phoned thru the application.....Declined...so how embarrased would I have been in the shop if this pushy salesperson had got her way and did it on the spot:eek:

actually, every store has their own target to sell you debt!!! But you wont get decision instantly, they fill in the application for you and send thu internal mail, you might get decicion in a week's time......

gt94sss2

Thanks - applied for the 'old style' M&S card just before midnight and got my "Welcome to the exciting world of the &MORE Credit Card" email just after 8AM this morning...

I see they are now advertising the new offer instead.

Regards
Sunil

Nytehawk

Gosh if the email I got this afternoon is anything to go by, I am hot for an M & S card:j
Just got an email through containing this reply:

"Welcome to the exciting world of the &MORE Credit Card. It's the only card to be seen with and the only credit card you'll ever need. We are pleased to confirm that you are just a couple of steps away from receiving your stylish, new black card.

Your agreement will be sent in the next few days. Please sign, date and return it at your earliest convenience in the pre-paid envelope, keeping the yellow pages for reference and returning all of the white pages. If you have requested Payment Protection Insurance please make sure you complete the tick box and sign the appropriate box on the agreement.

Meanwhile, if you have any queries please contact us by return e-mail or on the number below.

Yours sincerely,

Customer Services.
Marks & Spencer Money"

P.S. The quicker you sign the agreement the sooner you can take advantage of
all the benefits of the &MORE Credit Card. Enjoy 0% Interest on all
shopping for 12 months from date of account opening. Transfer your balance
from any store or credit card within 6 months of account opening and pay
3.9% pa for the life of the balance. You'll also earn valuable &MORE reward
points on every card spend to treat yourself at M&S. Typical 16.9% APR
Variable. Notification of credit limit will be provided when you receive
your card.

Applied at 12:05 the above e mail was sent to me at 15:21. I think I am a happy Mazzzdy:)

Nytehawk

sofa_surfer wrote:

Hi,
does anyone know whether having FirstDirect CC rules me out of being accepted for the M&S card? Both are operated by HSBC.
Thank you in advance

I also have HSBC card. It seems to have had no affect on my application. I would think that they would check their records before sending out the email I put on site a little while ago

gamma

I had a card which I cancelled in January - and applied for this account - got declined - turns out my old account is still open!!!! GRrrrrr

No I don't get any offers with this except a 6 months balance transfer deal..

They say I can close this account now and try again to apply but can't guarantee me getting accepted and they would have to do another credit search.

Guess I'm stuck now

vwman_3

I phoned them to ask if I had been sucessful or not, and was told by CS that my application had been refered to an underwriter, she also stated that this was not unusual and if I had been declined I would have been informed at once.
She further stated it was something to do with deciding credit limits.
So watch this space as they say........

am3n3

Thanks for the heads-up about this new card offer. As it's the lowest-APR life-of-balance offer I know of, I applied straight away despite waiting to get on the electoral roll.

For me, a life-of-balance card is better as I avoid BT fees and don't have to worry about tarting/my credit rating when the offer expires, which--considering my large CC balance--is inevitable.

To my surprise, I was approved instantly by phone and am just waiting for the agreement forms to arrive. Made my day! :money:

The_doomed

Im a student just applied online now and 'will hear in 48 hours'. First card ive ever applied for where when you put down student it doesnt let you input details for an employer.

hmm.... maybe not good. still let me put in gross income which will help!



how soon did you receive your email after appliction advising of 48 hour notice? still aint got mine through yet!