Marks & Spencer 0% Card - Instant Approval

DalePie

Just a quick question. Does the M&S card typically do instant approval?

I just applied and I don't think it actually credit checked me. It just said "We'll email you with our decision in 48 Hours".

I'm a bit worried because that type of message usually means no! Or perhaps it's what everyone gets!

g6jns_2

Take Corporal Jones advice "don't panic!'.

oldagetraveller

I received the same message. However, I didn't receive the promised e mail.
After 3 days I phoned them and was told I had been approved.vNo further action was needed on my part. The next I knew was a letter, pin and card through the post about 5 days later.

INT1

It will have credit checked you at that point of submitting and getting that reply back.

They are probably well busy with that particular offer on at the moment.

shiny76

DalePie wrote: »

Just a quick question. Does the M&S card typically do instant approval?

I just applied and I don't think it actually credit checked me. It just said "We'll email you with our decision in 48 Hours".

I'm a bit worried because that type of message usually means no! Or perhaps it's what everyone gets!

I got the same message. Within 48 hours I got an email saying I'd been approved. Next few days the paper work arrived. Still waiting for the card

System

It wouldn't surprise me if it makes the decision (in most cases) instantly but is set with a time delay to give the impression it is 'old/new fashioned banking' and they have a cravat wearing human looking at the application.

Maybe that is my cynicism with M&S & HSBC showing...

giblet10

Mine was instant approval - card agreement arrived two days later - returned immediately - card arrived after a further week.

The oddest thing with this application is that to this day they never credit checked me..I did however have a good relationship with HSBC which is maybe why.

sivs

I think that M&S don't do instant decisions. This is why you got this response.

groove_timer

I had the same issue. Applied and received an email on the 24th Nov saying they would have a decision within 3-5 working days. Phoned them this morning and they said I was successful on the 7th December and would be sending the card out.

st3w4rt

I applied to get an M&S credit card and a few days later I received an email asking me to phone them... Has anyone else experienced this? Is the email genuine?

piker1957

In my case yes. I had stupidly put my birth date in for my wife too - (I wanted her to be a joint card holder).Very understanding customer service agent sorted it out in minutes. Even though as Del Boy would have said what a plonk*r she said it was easy to do. Paperwork to sign within a couple of days, now waiting for the card