M&S Credit Card

Leanne200

Does anyone know how strict M&S are with their credit scoring?

Thanks

BurningHorizons

AFAIK not very strict. Also seem to give quite high credit limits too.

clarabell1984

I have just applied for one yesterday and I am really hoping I get approved, it will be a godsend if I get it!

Phoenix79_2

Let us know how you get on. Interested in one myself. It could be the final piece in my 'credit card jigsaw'. Just got a Morgan Stanley card for cashback so i'm going to wait a while for applying.

justmarried06

Hi - there have been a couple of threads on the M&S card, some people have been more successful than others with applications and limits. I was only offered £2000 (needed to BT £5000) whereas IF who I applied to a week later offered me £7000. Try these links, they may have some more info thats useful?

http://forums.moneysavingexpert.com/showthread.html?t=263011

http://forums.moneysavingexpert.com/showthread.html?t=278815

HTH

JM

Leanne200

Thanks I am leaving it for a little while as just got turned down for a Capital One Platinum end of October :rolleyes:

msaquib

Can M&S access other HSBC group credit card details e.g. credit limits.

Reason to ask is that I hold a FD & HSBC Card with good limit and they are not showing up on my credit report.

Thanks
SM

clarabell1984

And with 1 hour to go before the 48 hour period was up... I receive this email!

Dear Miss *****

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.


E-mail Address: money@mandsmoney.com

Telephone: 0845 900 0900

Credit available subject to status. Marks & Spencer Money is a trading name
of Marks and Spencer Financial Services plc, a wholly owned subsidiary of
HSBC Bank plc. Registered office: Kings Meadow, Chester CH99 9FB. Registered
in England No. 1772585. Authorised and regulated by the Financial Services
Authority. Marks & Spencer is a registered trademark of Marks and Spencer
plc and used under licence. When you receive your credit card, if for any
reason you decide you do not wish to take part in the &MORE Reward Scheme,
please let us know by calling our Customer Services Line on 0845 900 0900.
The issue of Reward Vouchers is subject to a minimum number of points being
collected. Please refer to the &MORE scheme terms and conditions for
details.

Leanne200

Congrats Clarabell!

msaquib

msaquib wrote:

Can M&S access other HSBC group credit card details e.g. credit limits.

Reason to ask is that I hold a FD & HSBC Card with good limit and they are not showing up on my credit report.

Thanks
SM

Any replies?

Phoenix79_2

Well HSBC can't see M&S details/limits so i'm guessing you will be ok