M&S 0% Card

pollyanna24

Just seen this on the money saving e-mail.

I already have one credit card that is 15 months 0%, but I'm tempted to get this just to get the £30.

Is this bad for my credit score? I thought that Martin always said it was. I won't be applying for anything like a mortgage for about a year, but not sure if I should just forget about the £30 or not.

Tixy

It will appear as a credit search on your credit file, and if successful will appear as a open credit account with access to £x amount of credit.

Whether it will impact on your ability to get new credit products is difficult to say. Very much doubt it would affect your abililty to get a mortgage in a years time, particularly not if you close it in a few months time.

sazandy25

thinking the same, its a free £30 for little work.

Also a competitive 0% period.

a no brainer if not applying for mortgage etc in next year etc
:j:j:money::j:j

nossa_2

This M&S deal was on the weekly email dated Nov 12 - signed up spent money nut no voucher. According to MSE a voucher would be sent by email by Jan 24 - got a couple of hours to go but I'm not confident

sazandy25

email / phone them, i will be if voucher doesn't turn up.

keep us posted on your progress

nossa_2

OK phoned customer services, they say there has been some mix up / tech prob and they are putting voucher in post to me! Say that this is an isolated problem and no one else affected - we will see. Will update if and when I get voucher

ellesbellesxxx

Oh that's interesting - I haven't had my voucher yet too! Will call them too!

ellesbellesxxx

Hmm, my person wasn't as helpful - was told I should have had email on January 7th - which I didn't.
I was told those people who didn't get email, as they bounced back (!?) should receive voucher this week in the post? If I don't hear anything, I need to call next weekend to chase apparently...

Retro_Bunny

Never got the £30 voucher from last time :mad:
Poor customer service too; called, they promised to send another voucher, never got that either!!!

The original voucher is emailed out (which I never got) and is very short dated according to others who actually got it.

stevejland

nossa wrote: »

OK phoned customer services, they say there has been some mix up / tech prob and they are putting voucher in post to me! Say that this is an isolated problem and no one else affected - we will see. Will update if and when I get voucher

No voucher for me either, I have messaged them.

stevejland

Phone call received within minutes after tweeting & voucher emailed within the hour.