For those who own a Marks & Spencer Credit card

pault123

Megatimbo wrote:

Hello YB thanks for the reply,Maths isnt my strong point but got better as i got older

The credit limit would be a help if it covers my other cards even at 3.9 % would be a great help in reducing my interest payments

Regards M

Yes £5000 limit for you and at 3.9% with no BT fee get all your debt on there!

No more stupidly high interest payments :T

I've had to spend £300 this weekend on my credit card, I used my MBNA and tonight rung up M&S and did a £300 balance transfer - so make sure you don't spend at all on you M&S cards if you are using it for BT's. Use another card and then BT accross.

YorkshireBoy

pault123 wrote:

I've had to spend £300 this weekend on my credit card, I used my MBNA and tonight rung up M&S and did a £300 balance transfer - so make sure you don't spend at all on you M&S cards if you are using it for BT's. Use another card and then BT accross.

Be careful, since (it appears) BT fees are likely to be introduced on the M&S card.

Sound_Fm

Smilers wrote:

I was able to Transfer from an HSBC Gold card without any problem, even told the operative that it was an HSBC account without any issues...

Lucky I guess!

Same was true for me on my HSBC gold card.

Had M&S card now for well over a year and have done about 4/5 balance transfers over the course of a year and everytime have been offered 0% for 6 months with no fees. Didn't even have to ask for 0% was just offered it as a matter of course.

Regards

Steve

BONJOEY

has anyone got 3 or more cards and have tried for this card and have been accepted? im thinking of applying to do a bt?

BONJOEY

has anyone got 3 or more cards and have tried for this card and have been accepted? im thinking of applying to do a bt?

pault123

i have 5 other cards and no probs.

BONJOEY

really, whats your limits, if you dont mind me askin, and did you bt?

sashacat

I've got 5 cards and had no problem getting the &more card with a £5000 limit.

pault123

Limits on 5 cards

1. £6000
2. £5000
3. £3000
4. £5000
5. £2000

M&S have me £6000.

p1an0player

Bokken wrote:

If you want to be clever and stooz a few pounds purchase $'s and exhange it back with another exchange (Co-op,Travel supermarket etc)at a more favourable rate.
good luck.

The spread on buy/sell exchange rates would make this expensive though, wouldn't it (like 6% or more)? or am I missing something?