I wish I had read these reviews before I opted to take out a M&S 0% balance transfer credit card. The customer service is an absolute joke, they don't understand any simple request you are asking. 4 weeks later I am still waiting for my balance to be transferred to the M&S card. I am cancelling this card. I would rather pay interest than deal with this company, and their customer service. I have had a number of scam texts and phone calls since dealing with M&S Bank, which I have never experienced before. M&S Stick to selling cloths and food, you do a better job. My query has still not been resolved, I would give no stars if it where possible.