Accepted new M&S credit card holders get a decent 25 months 0% on spending. Plus those who apply by 31 Aug and spend at least £100 on it by 30 Sep will get a £50 M&S voucher. Swipe this at the till the first time you use the card at M&S (you can spend on most things, incl food) and you get 500 bonus M&S points worth £5.
Need-to-knows - To get the £50 M&S voucher, apply for the card by 31 Aug and spend at least £100 by 30 Sep. - The voucher will be emailed to you no later than 31 Oct, and you'll need to use it by 30 Nov. - You won't be eligible for the voucher if you already hold an M&S credit card or have done within the last year. - You'll also get a voucher to swipe (or use the code online) which will get you 500 bonus points once you use your card to pay for something in M&S. The 500 points are equivalent to a £5 M&S gift voucher. This voucher will be sent by post with your card. - You'll earn one point for every £1 spent in M&S stores and one point for every £5 elsewhere. One point is equivalent to 1p, and points will convert into M&S vouchers every three months. Make sure you fully clear the card by the end of the 0% period or you'll be charged 18.9% interest on any remaining balance. - Poorer credit scorers could get a higher rate, up to 22.9%. - Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
Credits - MSE
P.S - if you are unsure if you will be accepted for the card worth looking at your likelihood of acceptance via the Moneysupermarket smart search tool
All comments (59)
y-oh-y
1 Aug 17#1
Better than the £35 bonuses the other week!
I should have waited. :disappointed:
maccy1
1 Aug 17#2
It's just like...
Cheers vassy :grin:
maccy1
1 Aug 17#3
...and what he said of course X)
tek-monkey
1 Aug 17#4
What are the implications of holding lots of unused credit cards? I have 6 and only 1 has a debt on it (at 0%).
Graham1979 to tek-monkey
1 Aug 17#18
You sink the economy and plunge us into a world of financial chaos. Lend me one and I will spend some money and save us all.
g8spur
1 Aug 17#5
If you want to take out a loan you may find they reduce your maximum borrowing due to your over exposure to debt. That's all really. Just close ones you don't use.
muffboy
1 Aug 17#6
And if you take away the V and the Y you are left with the person holding the card!
TheHun6
1 Aug 17#7
Important point missed out in OP. Balance transfers 2.9%.
coventgamer to TheHun6
1 Aug 17#8
I just want the vouchers and it will be cut up
vassy1
1 Aug 17#9
This deal is posted for purchase credit card and not for balance transfer (_;)
vassy1
1 Aug 17#10
Lol..Made my day.. Good one
blue1971
1 Aug 17#11
The £100 you need to spend,is that at M&S or just spend £100 ?
summerof76
1 Aug 17#12
Heat added vassy
vassy1
1 Aug 17#13
Any spend for £100
blue1971 to vassy1
1 Aug 17#14
MAny thanks,heat added :sunglasses:
senukas
1 Aug 17#15
Good if they let you use it. My wife had M&S card for few years and had nothing but payment troubles. Any larger online purchase transaction was flagged as suspicious by their fraud tools so not able to complete. You need to ring them to unblock the card and even after that transaction gets declined. And we are talking not about dodgy Chinese sites but retailers like Asda etc. So never again...
saxo_appeal to senukas
1 Aug 17#31
Much like our Virgin CC, we had a few issues with having to get purchases approved, so ended up cancelling!
Reflective
1 Aug 17#16
How do you do that?
mspychala
1 Aug 17#17
+1 And need to chase them for voucher...
vassy1
1 Aug 17#19
There are apps. Go onto your app store .
KiNG
1 Aug 17#20
Can the voucher be used to buy a proper voucher ?
Chanchi32
1 Aug 17#21
Nice one Vassy - decent
vassy1
1 Aug 17#22
themachman
1 Aug 17#23
nice one vassy :smile:
machomansavage
1 Aug 17#24
How do credit cards work? Does this mean if I spent 5 grand on it I would have 25 months to pay it off with interest kicking in?
ollie87 to machomansavage
1 Aug 17#26
You'll have to pay at least the minimum amount each month. If you like you can do that for 25 months and then balance transfer it to another 0% card, etc.
jcluk to machomansavage
1 Aug 17#30
How they really work is that a large number of people take on zero percent and then don't repay in the period so end up paying interest. That's why these are offered.
Best to pay for stuff with money you have.
machomansavage to jcluk
1 Aug 17#33
thanks man so the answer is yes ill have 25 months before any interest kicks in?
vassy1 to machomansavage
1 Aug 17#34
Yes. I got my M&S credit last week. Diff deal 28 months 4k credit limit. Pay min and no interest for 28 months
jcluk to machomansavage
1 Aug 17#35
Oh yeah! :thumbsup: Assuming you can put five grand together at the end of it to clear. A lot of people ignore the risk they are taking on.
vassy1
1 Aug 17#25
Yes.. Without interest..
machomansavage to vassy1
1 Aug 17#27
Sorry. Yes meant WITHOUT interest kicking in lol. So no minimum payments each month? As long as it's paid in full before 25 months
vassy1 to machomansavage
1 Aug 17#29
You need to pay min amount which would be calculated based on how much money you owe them.. By the end of 25 months it should be completely settled.
ubmaniac to vassy1
24 Sep 17#48
I have searched the thread and cannot find the answer to this. Sorry if it I obvious, it's my first credit card.
I have set up the direct debit with my bank account. Will they automatically take the min payment or do I have to manually log into M&S and pay there?
You will have to provide direct debit details onto your credit card account online. You get to pick how much you want to pay. Either min or set amount monthly. Good luck
steevd
1 Aug 17#28
Hi always had excellent service both with the use of the card in many different countries and no problems in the UK I usually give them a call to advise am going abroad via the M&S website or by a phone call.
stevieshoes
1 Aug 17#32
Suggests the £50 is to be used once / in one transaction. Seems a bit tight for those who were looking to use over several food shops perhaps. If true.
SS41
2 Aug 17#36
It says the £50 voucher comes online, does anyone know if this can be spent in a high street store or the outlet m and s stores? Thanks
Brand.new
3 Aug 17#37
Anyone know what the credit limit is on this one?
Anon32
3 Aug 17#38
Just applied and not an instand decision! Changing my bank to hsbc to get the £150 and put my old bank details in not started the switch yet!
Got a sainsburys card but only 9 months interest free left and need to upgrade boiler less than a grand on this card! Can anyone else tell me how theirs went? Also does the voucher have to be spent all at once
Anon32
7 Aug 17#39
Declined despite 95% chance of success! Funny how credit card companies work but i suppose like if you lend to someone down the pub if you don't like em you dont have to lend them money.
UPDATE: Just applied to mbna 24 hours after being declined for m&s and they gave me a £7400 credit limit. Not sure how these people work out their criteria but i certainly am not maxed out on debt. i have a sainsburys card that has a £2,600 limit and paypal credit with £1500 limit but paypal is less than a third and sainsburys is £800 so hardly a load of money. I wonder if they decline people because of the voucher.
I suppose all have different criteria and maybe if you have cards already they see that as too much. The sainsburys will get closed once the £800 goes and this one is 30 months interest free the sainsburys only had 8 months to go.
Perfect for the new boiler and cylinder
3ak
9 Aug 17#40
just received there long ass papers through the post which doesn't make me feel very easy, feel like theres a trap somewhere -_-
fauji786
18 Aug 17#41
Got my card with the £5 vouchers but no mention of the £50 if I spend the £100......
HollaX to fauji786
18 Aug 17#43
Same.
It does say in the terms:
you must successfully apply for the M&S Credit Card
Shopping Plus offer through MoneySuperMarket or
MoneySavingExpert. Successful applications made through
other means will not qualify for the voucher offer
I'm wondering if the referral from HUKD invalidates this? Particularly as clicking the "Get" URL adds HUKD to the link... so they are obviously tracking it? Or am I being paranoid :smile:
3ak to HollaX
25 Aug 17#45
You're right, it specifically says through MSM when you click the link above, its a HUKD link... a bit of a rip off because that is still the 'shopping plus' deal window -_- I got my card today with the 500 points introductory. I'm going to spend the £100 regardless then give them 2 weeks and call them up,
HollaX to 3ak
25 Aug 17#46
Same! Good luck :smile:
3ak
18 Aug 17#42
still waiting on my card... sent the papers 5 days ago.
3ak
23 Aug 17#44
still waiting on my card -_-
rambobambo
8 Sep 17#47
I am yet to recceive the card...
though had an email for activation
any one managed to get the 50 pound voucehers
ubmaniac to rambobambo
24 Sep 17#49
I haven't received my voucher yet.
rambobambo to ubmaniac
24 Sep 17#52
Thanks.
I have spent over 100 pounds recentely using the card..
Have you contacted M&S to chase up the voucher
mcvay
24 Sep 17#50
Apply by 31st August?
rambobambo
26 Sep 17#53
Bump
MR+T
29 Sep 17#54
I got £5 points voucher but still no £50 vouchers terms say should receive by 31st oct
rambobambo to MR+T
30 Sep 17#55
Thanks
How did you get the 5 pound voucher.
Also how to find out abt 50 pounds voucher other than waiting
fauji786
2 Oct 17#56
received my £50 vouchers in my junk mail today. came in an email as 2 £25 vouchers with an expiry date of 30.11.17
result!
Vanmeerkat to fauji786
2 Oct 17#57
HI fauji 786 could you tell me if you applied through this link on hukd ? or did you apply through the moneysaving site ?
fauji786 to Vanmeerkat
3 Oct 17#58
I applied through the HUKD link
Vanmeerkat
3 Oct 17#59
Hi Anyone else had their vouchers going through hukd?
Opening post
Plus those who apply by 31 Aug and spend at least £100 on it by 30 Sep will get a £50 M&S voucher.
Swipe this at the till the first time you use the card at M&S (you can spend on most things, incl food) and you get 500 bonus M&S points worth £5.
Need-to-knows
- To get the £50 M&S voucher, apply for the card by 31 Aug and spend at least £100 by 30 Sep.
- The voucher will be emailed to you no later than 31 Oct, and you'll need to use it by 30 Nov.
- You won't be eligible for the voucher if you already hold an M&S credit card or have done within the last year.
- You'll also get a voucher to swipe (or use the code online) which will get you 500 bonus points once you use your card to pay for something in M&S. The 500 points are equivalent to a £5 M&S gift voucher. This voucher will be sent by post with your card.
- You'll earn one point for every £1 spent in M&S stores and one point for every £5 elsewhere. One point is equivalent to 1p, and points will convert into M&S vouchers every three months.
Make sure you fully clear the card by the end of the 0% period or you'll be charged 18.9% interest on any remaining balance.
- Poorer credit scorers could get a higher rate, up to 22.9%.
- Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
Credits - MSE
P.S - if you are unsure if you will be accepted for the card worth looking at your likelihood of acceptance via the Moneysupermarket smart search tool
All comments (59)
I should have waited. :disappointed:
Cheers vassy :grin:
So never again...
And need to chase them for voucher...
Best to pay for stuff with money you have.
I have set up the direct debit with my bank account. Will they automatically take the min payment or do I have to manually log into M&S and pay there?
media.giphy.com/med…gif
Got a sainsburys card but only 9 months interest free left and need to upgrade boiler less than a grand on this card! Can anyone else tell me how theirs went? Also does the voucher have to be spent all at once
UPDATE: Just applied to mbna 24 hours after being declined for m&s and they gave me a £7400 credit limit. Not sure how these people work out their criteria but i certainly am not maxed out on debt. i have a sainsburys card that has a £2,600 limit and paypal credit with £1500 limit but paypal is less than a third and sainsburys is £800 so hardly a load of money. I wonder if they decline people because of the voucher.
I suppose all have different criteria and maybe if you have cards already they see that as too much. The sainsburys will get closed once the £800 goes and this one is 30 months interest free the sainsburys only had 8 months to go.
Perfect for the new boiler and cylinder
It does say in the terms:
you must successfully apply for the M&S Credit Card Shopping Plus offer through MoneySuperMarket or MoneySavingExpert. Successful applications made through other means will not qualify for the voucher offer
I'm wondering if the referral from HUKD invalidates this? Particularly as clicking the "Get" URL adds HUKD to the link... so they are obviously tracking it? Or am I being paranoid :smile:
though had an email for activation
any one managed to get the 50 pound voucehers
I have spent over 100 pounds recentely using the card..
Have you contacted M&S to chase up the voucher
How did you get the 5 pound voucher.
Also how to find out abt 50 pounds voucher other than waiting
result!
could you tell me if you applied through this link on hukd ? or did you apply through the moneysaving site ?
Anyone else had their vouchers going through hukd?