M&S Bank 25 Months 0% Purchase Credit Card + £55 M&S Vouchers
659°Expired

M&S Bank 25 Months 0% Purchase Credit Card + £55 M&S Vouchers

73
Found 1st Aug 2017
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
Community Updates
Top comments
It's just like...

https://media.giphy.com/media/xDqnFsdTb1i2Q/giphy.gif

Cheers vassy
Nice one Vassy - decent
73 Comments
It's just like...

https://media.giphy.com/media/xDqnFsdTb1i2Q/giphy.gif

Cheers vassy
ILikeUsingGifsToComment



...and what he said of course X)
What are the implications of holding lots of unused credit cards? I have 6 and only 1 has a debt on it (at 0%).
tek-monkey

What are the implications of holding lots of unused credit cards? I have … What are the implications of holding lots of unused credit cards? I have 6 and only 1 has a debt on it (at 0%).



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.
Better than the £35 bonuses the other week!

I should have waited.
ILikeUsingGifsToComment



And if you take away the V and the Y you are left with the person holding the card!
Important point missed out in OP. Balance transfers 2.9%.
TheHun612 m ago

Important point missed out in OP. Balance transfers 2.9%.

I just want the vouchers and it will be cut up
Original Poster
TheHun6

Important point missed out in OP. Balance transfers 2.9%.


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

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


Lol..Made my day.. Good one
The £100 you need to spend,is that at M&S or just spend £100 ?
Heat added vassy
Original Poster
blue1971

The £100 you need to spend,is that at M&S or just spend £100 ?


Any spend for £100
vassy11 m ago

Any spend for £100


MAny thanks,heat added
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...
ILikeUsingGifsToComment



How do you do that?
senukas

Good if they let you use it. My wife had M&S card for few years and had … 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...


+1
And need to chase them for voucher...
tek-monkey2 h, 2 m ago

What are the implications of holding lots of unused credit cards? I have 6 …What are the implications of holding lots of unused credit cards? I have 6 and only 1 has a debt on it (at 0%).


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.
Original Poster
Reflective

How do you do that?


There are apps. Go onto your app store .
Can the voucher be used to buy a proper voucher ?
Nice one Vassy - decent
Original Poster
Chanchi32

Nice one Vassy - decent


http://m.quickmeme.com/img/a4/a4b6dd1fe082db9732d0985675edfcb45c9c7960f0eb42c308fda3d4eb2874e5.jpg
https://i2.wp.com/www.la-screenwriter.com/wp-content/uploads/2015/09/seinfeld-celebration.gif?fit=500%2C299&resize=350%2C200
nice one vassy
http://cdn.ebaumsworld.com/mediaFiles/picture/2234450/83593331.gif
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?
Original Poster
machomansavage

How do credit cards work? Does this mean if I spent 5 grand on it I would … 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?


Yes.. Without interest..
machomansavage2 h, 0 m ago

How do credit cards work? Does this mean if I spent 5 grand on it I would …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?


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.
vassy11 h, 59 m ago

Yes.. Without interest..

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
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.
Original Poster
machomansavage1 h, 48 m ago

Sorry. Yes meant WITHOUT interest kicking in lol. So no minimum payments …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


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.
machomansavage6 h, 21 m ago

How do credit cards work? Does this mean if I spent 5 grand on it I would …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?

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.
senukas12 h, 45 m ago

Good if they let you use it. My wife had M&S card for few years and had …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...



Much like our Virgin CC, we had a few issues with having to get purchases approved, so ended up cancelling!
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.
jcluk1 h, 39 m ago

How they really work is that a large number of people take on zero percent …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.

​ thanks man so the answer is yes ill have 25 months before any interest kicks in?
Original Poster
machomansavage5 m ago

​ thanks man so the answer is yes ill have 25 months before any interest k …​ thanks man so the answer is yes ill have 25 months before any interest kicks in?


Yes. I got my M&S credit last week. Diff deal 28 months 4k credit limit. Pay min and no interest for 28 months
machomansavage1 h, 37 m ago

​ thanks man so the answer is yes ill have 25 months before any interest k …​ thanks man so the answer is yes ill have 25 months before any interest kicks in?

Oh yeah! 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.
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
Anyone know what the credit limit is on this one?
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
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
Edited by: "Anon32" 8th Aug 2017
just received there long ass papers through the post which doesn't make me feel very easy, feel like theres a trap somewhere -_-
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