M&S credit card - 10% cashback, misleading?

NoodleDoodleMan

My good lady and I each have a Sparks card and get different deals which is not helpful.

She clocked a jacket in the local store and I needed to use my card to receive the 15% discount as she didn't have it.

The young lady who served us explained that customers receive different offers based on their purchasing history profile.

I reckon M&S need to get their act together on this and offer the same benefits to all card holders.

Sarahspangles

NoodleDoodleMan said:

My good lady and I each have a Sparks card and get different deals which is not helpful.

She clocked a jacket in the local store and I needed to use my card to receive the 15% discount as she didn't have it.

The young lady who served us explained that customers receive different offers based on their purchasing history profile.

I reckon M&S need to get their act together on this and offer the same benefits to all card holders.

They say that so far as Facebook is concerned, users are the product. They take our data in return for a free platform so that they can charge companies to target their ads at us.

This M&S CC offer might look like one where credit-worthiness is being taken into account, to justify different offers. But I don’t think it is. They’re looking at what level of sweetener will tempt us to switch to them. Someone who is offered a lower spend threshold before cashback kicks in earns them less in merchant fees. Which is what they are recycling into cash back. 

NoodleDoodleMan

Mrs NDM isn't on Facebook so no data there to target her Sparks card.

Sarahspangles

NoodleDoodleMan said:

Mrs NDM isn't on Facebook so no data there to target her Sparks card.

It was more of a general point, I don’t think M&S use FB for marketing. I think the current experiment may not be grouping people based on past spending at all. Just random assignment to a group.

NoodleDoodleMan

That sounds right.

Sarahspangles

I have an online account with M&S so I’ve just switched on marketing to see if I get an offer.

gdrforest

They have just sent a correction. Now it makes sense ,I think. Spend £500 and get £50. 

barnehurst

Worked for me. £50 back on 11th November for October spend. Spent well over £500 in November, but weirdly M&S say the cashback for not payable until end of Dec ?

deepee234

I have just cancelled my M and S card because you are expected to use that credit card to pay for your goods at the store. I did not understand this and have been charged £27.13 each month for two months without using the service.
It seems to me that Mand S are showing their true colours and getting money from vulnerable and computer illiterate older people. Is it possible to get this money back??????

MeteredOut

deepee234 said:

I have just cancelled my M and S card because you are expected to use that credit card to pay for your goods at the store. I did not understand this and have been charged £27.13 each month for two months without using the service.
It seems to me that Mand S are showing their true colours and getting money from vulnerable and computer illiterate older people. Is it possible to get this money back??????

Can you elaborate please?

What was the £27.13 charge labelled as? What sort of M&S card did you have?