For those who own a Marks & Spencer Credit card

BONJOEY

i think ill give them ago, wish me luck

just finished the application,and said i will here from them within 48hours?

take it its a no then...

it didnt even ask if i wanted to balance transfer?

ow well im expecting a no...

Megatimbo

Hello BONJOEY, it doesnt mean they will say no its just that it takes time to process your application,also depends on volume of apps as well

You should get an email saying yay or nay soon,if its ok then the agreement will be posted to you to sign and return with a yellow copy for you to keep with the all important charge for credit figure on :0

Good luck regards M

Phoenix79_2

BONJOEY wrote:

i think ill give them ago, wish me luck

just finished the application,and said i will here from them within 48hours?

take it its a no then...

it didnt even ask if i wanted to balance transfer?

ow well im expecting a no...

Thats what it says to everyone. I was accepted after having that message

Phoenix79_2

BONJOEY wrote:

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?

M&S is my 7th card. Although Amex is still open on my file depsite having a letter confirming closure of it. So if anyone looked at my file....its my 8th active card to my name (hoping Amex will show as closed soon)

BONJOEY

oww thanks, fingers crossed then ,

ill keep you updated x

BONJOEY

really you have 7 cards, arethey all highlimits, or any outstanding balances?

my cards are half full, think this will not help me

Phoenix79_2

BONJOEY wrote:

really you have 7 cards, arethey all highlimits, or any outstanding balances?

my cards are half full, think this will not help me

Off the top of my head:

1) MBNA. Limit £7000 - Balance £0 (will be used for SBT of my loan shortly)
2) Capital One. Limit £5300 - Balance £1500 (0% until May 07)
3) Natwest. Limit £4300 - Balance £0 (needs to be closed down when i get time)
4) Barclaycard. Limit £3300 - Balance £0 (as above)
5) HSBC. Limit £3000 - Balance £0 (kept for 'work' reasons)
6) Morgan Stanley. Limit £3000 - Balance £200 (everyday cashback card - cleared in full every month)
7) M&S. Limit £4000. Balance £0 (haven't decided what to do yet)

BONJOEY

all high limits, mne arnt tha high but all have outstanding balances

BONJOEY

hi heres my update i recieved an email saying

Thank you for applying for the new &MORE Credit Card, the only card to
be
seen with and the only credit card you'll ever need.

We endeavour to offer our Internet customers a speedy response
therefore,
you will be contacted with a decision by post shortly.

Please accept our apologies for the short delay.


i take this as a rejection what do you think!

no1arsenal

Anyone have any ideas on this.
I have about £10000 on cahoot flex loan but following martins article tryed to get this through egg money then on to m & s card 3.9%life of bal but having just recieved m & s card credit limit is only £3000.Anyone got some ideas on this cause would like to get out of cahootflexy loan.