M&S Credit Card 32 months BT 0.99% fee but £25 cashback
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M&S Credit Card 32 months BT 0.99% fee but £25 cashback

17
Found 16th AprMade hot 16th Apr
The M&S credit card* offers Accepted cardholders will definitely get the full 32 months 0%, unlike some of the other cards which could accept you then offer fewer interest-free months.

Those who apply by Wed 31 May and transfer at least £100 by Fri 30 Jun will also get £25 cashback, so if your transfering less than £2,500 you will make profit!#

If you only have £100 to trasfer it will cost you a £1 and the other £24 will pay off you debt and you'll have 32 months again

*You also get 6 months on purchases so all in all not a bad card tbh

# Not technically but will reduce your balance

Need-to-knows
To get the £25 cashback, apply for the card by Wed 31 May and balance transfer at least £100 by Fri 30 Jun.
The cashback will be credited to your account no later than Mon 31 July.
You won't be eligible for the cashback if you already hold an M&S credit card or have done within the last year.
If you're accepted for the card you'll definitely get the full 32 months at 0%.
After your 0% deal ends, you'll pay 18.9% interest a year on any balance transfer debt left over.
You need to transfer the balance within 90 days, or you won't get the 0% period.
Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.
Don't spend/withdraw cash on this card. It usually isn't at the cheap rate and cash withdrawals hit your credit file.

17 Comments

People and banks still not learning anything from recent history...

Original Poster

m5rcc

People and banks still not learning anything from recent history...


I agree the old days when you had to know your bank manager were much better! But if your disciplined like me and get companies to pay down my balance while extending the intetest free period then i'll do it!

Edited by: "Anon32" 16th Apr

Anon32

But if your disciplined like me and get companies tomoay down my balance … But if your disciplined like me and get companies tomoay down my balance while extending the intetest free period then i'll do it!



Sadly not everyone is as disciplined as you. The only reason the UK hasn't tanked any further is because of this credit/car loan/lease bubble we are in.

Is this 0% transfer ?

Original Poster

PulisOut

Is this 0% transfer ?


Yes added in title but it did state it in the post

excellent!! cheers!!!

Nice one! Cheers OP.

Used M&S before but a few years ago so I should be golden, right?

Anon32

Yes added in title but it did state it in the post



0.99% fee stated in title?

Anon32

Yes added in title but it did state it in the post



This also in terms


To qualify for the cashback you must successfully apply
for an M&S Credit Card offer through MoneySuperMarket
or MoneySavingExpert between 13 April 2017 and
31 May 2017 (the “Offer Period”)

can I transfer from tesco ?

slipd

Nice one! Cheers OP.Used M&S before but a few years ago so I should be … Nice one! Cheers OP.Used M&S before but a few years ago so I should be golden, right?



I would also like to know after how long you become a 'new' customer?

[img]{{/storage/emulated/0/Android/data/com.tippingcanoe.hukd/files/Pictures/thread2666420/1492360147696_transformed.png}}[/img] applied cheers. thought it was quicker…

Never done this before. Can u transfer balance to more then 1 card?

thermomonkey

I would also like to know after how long you become a 'new' customer?


Eligibility criteria for the cashback
5. To be eligible for the cashback, the following requirements must be met:-
a) you are not an existing M&S Credit Card holder and have not held a credit card with M&S within the past 12 months...

they needed more info about me and today received an email. cool. thanks OP for posting the deal. [img]{{/storage/emulated/0/Android/data/com.tippingcanoe.hukd/files/Pictures/thread2666420/1492623727560_transformed.png}}[/img]

got the card. not mention any cashback. did I miss something?

sisqoboy2

got the card. not mention any cashback. did I miss something?



Says it will be credited by 31st July providing you meet the following criteria:

bank.marksandspencer.com/pdf…pdf

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