Credit cards

Credit cards

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M&S credit card problems

Does anyone else have a problem with the M&S credit card? My card is frequently stopped for "suspicious behaviour", to the point its intrusive. This week it has been stopped 3 times - each time I've had to call them (and be placed in a queue for 10-15 mins), for them to release the card and complete my transaction.

I get that in theory its protecting me. But when its with a Company I've done business with before, and not a large sum of money, I don't.

I check my bill and pay my card off in full every month. I don't have a debt with them. But this over-protectiveness means I'm about to change to a more reliable supplier.

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Comments

  • I would lodge an official complaint and see if it can be sorted that way and they'll take your complaint more seriously then.
  • LAW01 wrote: »
    Does anyone else have a problem with the M&S credit card? My card is frequently stopped for "suspicious behaviour", to the point its intrusive. This week it has been stopped 3 times - each time I've had to call them (and be placed in a queue for 10-15 mins), for them to release the card and complete my transaction.

    I get that in theory its protecting me. But when its with a Company I've done business with before, and not a large sum of money, I don't.

    I check my bill and pay my card off in full every month. I don't have a debt with them. But this over-protectiveness means I'm about to change to a more reliable supplier.


    Not at all. It's protecting them. Their behaviour appears to be completely over the top. If you have another CC then cut up the M&S card and send it back to them explaining the situation - robustly, I think, is the word of the moment.


    In my T&Cs of credit card use I have a clause that effectively means a "two strikes and you're out" policy. So I'll accept one block, but that's it. So far I've had to ditch one credit card as a result of them breaching the T&Cs.
  • From the other point of view twice in the last 2 years I have been contacted by card companies asking me if transactions going through were mine - and they were fraudulent.
    They can't win can they?
  • From the other point of view twice in the last 2 years I have been contacted by card companies asking me if transactions going through were mine - and they were fraudulent.
    They can't win can they?


    Fair enough. I might add that it's the (unnecessary) blocks on non-fraudulent ones that I object to.
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