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.

- 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

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

Cheers vassy

Cheers vassy

...and what he said of course X)

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.

I should have waited.

And if you take away the V and the Y you are left with the person holding the card!

This deal is posted for purchase credit card and not for balance transfer (_;)

Lol..Made my day.. Good one

Any spend for £100

MAny thanks,heat added

So never again...

How do you do that?

+1

And need to chase them for voucher...

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.

There are apps. Go onto your app store .

Yes.. Without interest..

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.

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.

Best to pay for stuff with money you have.

Much like our Virgin CC, we had a few issues with having to get purchases approved, so ended up cancelling!

Yes. I got my M&S credit last week. Diff deal 28 months 4k credit limit. Pay min and no interest for 28 months

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

Edited by:"Anon32" 8th Aug 2017