Applied 2 weeks ago. Initial application and website said up to 5 days for decision. No further information, no decision yet. If I didn’t know better, I would have assumed I got scammed with a hard check on my credit report.
I don’t know if the card is good as not received anything, but this excessive wait renders the reason I wanted to get the card (0% apr for a larger spend) less and less feasible. With other reports of waiting upwards of a few months, this is deeply inappropriate.
Would seriously advise people to NOT apply for this card, there are many other available alternatives.
2 stars only because the customer representative I spoke to was nice and told me the application was indeed received and pending (if the credit rating drop due to the hard check was not evidence enough already).
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M&S Bank launched in Autumn 2012, built on the foundations of M&S Money, which provided a range of financial products and great customer service for over 25 years.
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