M&S Current Account - Credit Card at same time

jakesuk

Anyone know if you can apply for an M&S credit card at the same time as applying for a current account, either online, or via the phone?

Prefer to do it as part of a single application to avoid two searches.

thanks

starM

If you apply online then they will only open the current account. I'm not sure of telephone applications.

When I switched my account in M&S branch I was told as my account was opened within the last 28 days I can apply for M&S card and no credit check will be made because system already hold credit report details. After 28 days CRA search will be required.

planteria

i'm not certain, but i think that a credit card application will trigger a separate search regardless of when it's made:think:

john1002

it would be interesting to know from someone who has gone through the process to know if they do credit check again or don't.

Have just opened one and i did tick the box for the credit card in the application but all that happened was an application booklet came through the post to fill in.

Anybody?

John

Rich2808

First direct did a credit check again when I applied for a credit card a few weeks after opening their current account. Same when I got my HSBC card.

In reality M&S bank is just a brand of the HSBC group - all your statements come from the same place. I was even told I could not have the M&S fast balance app if I already had the HSBC one as the systems were the same and couldn't differentiate. Effectively its like Halifax and Bank of Scotland - different but the same. Even the same 6% regular saver!

So I would suggest almost certainly yes.

Archi_Bald

Rich2808 wrote: »

I was even told I could not have the M&S fast balance app if I already had the HSBC one as the systems were the same and couldn't differentiate.

Whoever told you that? It's total balderdash.

Rich2808

Archi_Bald wrote: »

Whoever told you that? It's total balderdash.

I tried to register for their fast balance app several times - and I rang up and asked them why and I was clearly told you could not have their fast balance app and the HSBC fast balance app on your phone/ipad etc at the same time as the M&S one would not work. You would have to delete the HSBC one - which I didn't want to do as its my main account!

So who told me - the M&S bank internet banking helpline! If any one knows they should!

HSBC have now of course stopped their separate fast balance app - and the M&S one still doesn't work for me as presumably it still overlaps with the main app..

I know it sounds ridiculous but that is my experience and what they told me!

Archi_Bald

I have the HSBC and the M&S and the FD app all working on my iPhone.

starM

Rich2808 wrote: »

First direct did a credit check again when I applied for a credit card a few weeks after opening their current account. Same when I got my HSBC card.

I think it all depends how long after you applied for the credit card. I will go by my brothers application for FD credit card.

He applied for credit card online just after a week of opening First Direct current account. Application was accepted immediately through his online banking and he confirmed from his credit report no credit search was made.

I remember applying for HSBC account but that was 10+ years ago. They have offered me current account and credit card both in one credit search. HSBC & FD account are one of my oldest account which are still open and the good thing is they are not showing on my credit report.