M & S 0% 15 Months Purchases

fozmcfc

Well I received my pin number today.

2.5 weeks after applying. Unless the card arrives Saturday, it's unlikely to arrive until next Tuesday at the earliest and then it will have been 3 weeks since applying.

minibbb

Paperwork finally arrived today, in my haste to sign it I signed the office only bit by mistake!:mad:

I crossed it out and signed the right part of the agreement so hopefully it'll be alright!!

Chickabee

My card took ages to come through. i returned the signed agreement and then over a week later i got a letter saying it was still outstanding- so i signed it again, and eventually card + pin came through.
I've already put it to good use !

CreditCruncher

Chickabee wrote: »

My card took ages to come through. i returned the signed agreement and then over a week later i got a letter saying it was still outstanding- so i signed it again, and eventually card + pin came through.
I've already put it to good use !

What was the limit on your card?

starM

antuk wrote: »

Hi,

What was your outcome on this? I got the same email and still havent heard either way yet

Application was declined. I have sent an email back to appealing against it and received a reply back today saying agreement on its way.

MS

fozmcfc

Update on my application. As per my previous post, pin arrived last Thursday.

I got a letter today to say that I have a signed for delivery and to contact the courier to arrange delivery between 9 and 5.

I can't guarnatee to be there to sign until Tuesday next week, so that is when I asked for delivery. Hopefully when I'll get my card, by then it will have been a month since applying.

Says I need proof of ID such as Passport, Driving License, Credit Card as well for delivery to happen.

fozmcfc

Got mine today £4000 limit.

Bit surprised as I have so much credit available already compared to my annual income, but not complaining.

Have a few bits and pieces I want to buy with it, but won't be spending anywhere near £4k, not even near £2k.

techmob

i recieved my paperwork today and it said 0% on 15 month period which we know but after that it was 20% apr instead of the advertised 15.9%

no one seems to mention their APR, is that because they are only taking advatange of the 15 months and don't care? or are they all getting the advertised variable rate?



thanks

fozmcfc

My APR is 15.9%

To be honest, I only use credit cards now

1/ If I can pay the whole balance off monthly.

or

2/ When the balance is completely at 0% APR (initial or repeat offer).

techmob

i will be using it purely for the 15 months

thanks