Does anyone else find M&S Bank's fraud department to be a bit overzealous?

36 Posts

in Credit Cards
When I first got the card, it was nigh on impossible to actually use the thing as half my transactions got flagged up.
I've now had the card for around 8 months and I still get transactions declined. The other day, I tried to place an online order for just under £500. Declined, with no reason why. As I've had issues before, I figured it was the fraud thing again. In the past, other banks have given me an automatic call within seconds for me to confirm my transaction. M&S didn't call me until well over an hour later, by which time I was already at work and had placed the order using a different credit card. £500 isn't even an unusual amount for me to order as I order things in several sizes and send most of it back!
Just wondering if anyone else finds them a little overzealous on declining transactions.
I've now had the card for around 8 months and I still get transactions declined. The other day, I tried to place an online order for just under £500. Declined, with no reason why. As I've had issues before, I figured it was the fraud thing again. In the past, other banks have given me an automatic call within seconds for me to confirm my transaction. M&S didn't call me until well over an hour later, by which time I was already at work and had placed the order using a different credit card. £500 isn't even an unusual amount for me to order as I order things in several sizes and send most of it back!
Just wondering if anyone else finds them a little overzealous on declining transactions.
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I do normally get a call within minutes, but once was abroad and didn't get it.
Talking of abroad, it said ring them and let them know and it's less likely your card will get declined. I rang them to tell them beforehand about a trip and the way the person on the phone, was talking, was like, why are you ringing to tell me this. I had to explain I was following advice from M&S Bank themselves.
There foreign customer service isn't the best, but it's far from the worse I've dealt with.
It doesn't damage your credit file to withdraw your application. The 'hard' search will still be visible to other lenders, but the impact of one search is practically non-existent.
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First time I'd done it on that card! It's maybe once or twice a year that I order clothes online, and I don't think it's unreasonable to order several items in two sizes when they offer free delivery and free returns - it's easier and cheaper than going to a shop!