M & S 0% 15 Months Purchases

A question about : M & S 0% 15 Months Purchases

Anyone got one yet? Whats your limit?

Best answers:

• Well I've applied but no paperwork yet and no idea of limit - applied partly for the 15 months interest free and partly to replace an egg money card in case Barclays !!!! it up....
• I applied and got this email reply :-
  Welcome to the exciting world of the M&S Credit Card. It's the only card to be
  seen with and the only credit card that gives you a bit more M&S. We are
  pleased to confirm that you are just a couple of steps away from receiving your
  stylish, new black card.
  Your agreement will be sent in the next few days. Please check your agreement,
  sign, date and return the green copy in the pre-paid envelope provided. the
  yellow copy should be kept for your own reference.
  Apparently limit will be advised on issue of the card.
• Interesting Dato.
  Out of interest, when did you apply and when did you get the email?
  I applied yesterday afternoon and got a slightly different email this morning (saying a decision might take a couple of days - guess they might be checking bank history etc.).
• I've had my M&S credit card 3 years, so this may not be applicable now, but with M&S I got the lowest limit of any of the cards I've ever had (even lower than my first card - Barclaycard Initial), and there's been about 8 cards in the last 5 years.
  But, it's also the only card I've kept open at the end of the intro period, because I really like the M&S vouchers - free lunch from M&S once per month!
• I would also be very interested to know what kind of limit M&S may give.
  I applied yesterday and have so far just had the same email as datostar has had.
  I hoping to use it for a purchace of around Ј2k. (I already have the money saved up but would like to leave it where it is for the 15 months).
  Does anyone know if Im likely to get this ? (no debt & squeeky clean credit history by the way)
• My boyfriend got one today, Ј3.5k limit. He was very shocked!
  Edit - Although looking at the documentation, it's only 10 months interest free...
• Received paperwork today - all looks ok but no credit limit until card arrives - I also had an old m&s card (cancelled 3 or 4 years ago) which was pretty stingy limit wise so fingers crossed this is a bit more generous so that I can use it as my main card (and m&s can then buy me dinner once a month too...).
• Just applied -Ј20,000 limit would do nicely to make use of this for 15 months.
• I'm tempted to apply but my available credit to salary limit is very high, even though my overall debt to salary is less than 15%.
  Would look to close a couple of other cards down but that will take time on my credit record to show, so the offer may disappear.
  15 months would be nice and I would only look at getting a Ј2k limit or so as I don't really need anymore.
• bump bump bump
• I applied last Sunday afternoon.
  Had an email on the Monday saying basically "it will take a while but we'll be back to you."
  Hadn't heard anything today so called and was told that my application hadn't been progressed yet. The lady said she would try speaking to the assessor to try and get it sorted there and then. Came back on the line to say it was in a queue and I should hear in 5 days.
  About an hour later I got an email saying the application had been approved and paperwork was being dispatched. No word on credit limit though until the card arrives (as others have said too).
  So in summary, if you don't hear anything, give 'em a call.
• I got one about 3 weeks ago - mine only has 0% for 9 months. CL of Ј4000 but I'm currently a SAHM so I guess they would give me a lower one than many. I made a mistake and set it up to take the full payment by DD each month so need to phone and see if they will change it to the minimum payment. The acceptance email came through the day after application but don't think the credit limit info was sent until much later (in the paperwork).
• I've decided not to go for one at the moment as I will be away from home for a couple of weeks, so no point in applying because I won't be around to sign off anything if I get accepted.
  When I get back if the offer is still on, I will probably apply for one. If I don't get it I'll use it as an indication that I definately need to ditch a couple of the cards I'm not using to free up some credit available to income ratio.
• got one the other day with Ј4000 limit.
• I'm could do with my limit being nearer Ј7k. I've reduced my limits on my two other cards (that I hardly use) in the hope this may help.
  Fingers crossed.
• Mine and husband's limits were only Ј4.5k so not massive ones here. Still worth having though, every bit of 0% adds up
• OH got Ј4,500 CL. Spent Ј1600 on a holiday last night. Going to request an increase at the beginning of September to pay DD's tuition fees.
  Just checked and have been told that using this card to buy foreign currency in M&S counts as a purchase. Will be using this card to buy Euros.