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M & S Credit Card? Paying Online....
Vancat
Posts: 164 Forumite
in Credit cards
Hi All
I have a M & S card, which I have a DD for min payment each month, then pay rest of statement balance before the payment date, effectively paying off in full each month.
Last Friday, I went to make an additional payment of approx £1k, and a new screen popped up on the M & S site. It said "We may ask for further authorisation from your bank....please wait."
I waited,,,,,then a screen popped up, saying "Thank You for your payment."
I've checked every day since 13th....no payment showing on CC account...no payment taken from my bank.Today I phoned M & S. Lady in Asia said that no payment had been received as it had been declined by my bank!!!:eek:
I made an immediate Debit card payment of the amount I'd tried to pay on 13th...and got an assurance that even if the payment arrives late (it shouldn't...payment date is 22nd) I'd not be stung with interest.
I then called my bank.
I knew there wouldn't have been a problem, as it's a OneAccount, with a huge facility, but I wanted to check.
They went into their Switch dept., and said that M & S have brought in this additional security checking, and SHOULD have asked for additional authorisation on 13th....but they didn't!!! There was no record of the payment being requested by M & S,!
So...if you tried to make a payment this month, I'd advise checking that it went through! M & S deny they had a problem...I think they did.
To avoid this in future, I've amended my DD to pay the full balance from July.
Regards
VC
I have a M & S card, which I have a DD for min payment each month, then pay rest of statement balance before the payment date, effectively paying off in full each month.
Last Friday, I went to make an additional payment of approx £1k, and a new screen popped up on the M & S site. It said "We may ask for further authorisation from your bank....please wait."
I waited,,,,,then a screen popped up, saying "Thank You for your payment."
I've checked every day since 13th....no payment showing on CC account...no payment taken from my bank.Today I phoned M & S. Lady in Asia said that no payment had been received as it had been declined by my bank!!!:eek:
I made an immediate Debit card payment of the amount I'd tried to pay on 13th...and got an assurance that even if the payment arrives late (it shouldn't...payment date is 22nd) I'd not be stung with interest.
I then called my bank.
I knew there wouldn't have been a problem, as it's a OneAccount, with a huge facility, but I wanted to check.
They went into their Switch dept., and said that M & S have brought in this additional security checking, and SHOULD have asked for additional authorisation on 13th....but they didn't!!! There was no record of the payment being requested by M & S,!
So...if you tried to make a payment this month, I'd advise checking that it went through! M & S deny they had a problem...I think they did.
To avoid this in future, I've amended my DD to pay the full balance from July.
Regards
VC
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