The new system of logging on to access my marks and spencer account card is totally user unfriendly. Once again I have tried six times so far this morning to access my account via my lap top. Third time I actually managed to access my account but before i could make a payment it crashed. Now a further three attempts and after inputting my (correct!)user name and pressing continue each time it doesn't take me through to the pin code request section. Sort this blip out soon. It can'tbe only me having problems. I don't have time to waste like this and No! I do not want to add the app to my phone !