M&S 0% Card

A question about : M&S 0% Card

Just seen this on the money saving e-mail.

I already have one credit card that is 15 months 0%, but I'm tempted to get this just to get the Ј30.

Is this bad for my credit score? I thought that Martin always said it was. I won't be applying for anything like a mortgage for about a year, but not sure if I should just forget about the Ј30 or not.

Best answers:

• It will appear as a credit search on your credit file, and if successful will appear as a open credit account with access to Јx amount of credit.
  Whether it will impact on your ability to get new credit products is difficult to say. Very much doubt it would affect your abililty to get a mortgage in a years time, particularly not if you close it in a few months time.
• thinking the same, its a free Ј30 for little work.
  Also a competitive 0% period.
  a no brainer if not applying for mortgage etc in next year etc
• This M&S deal was on the weekly email dated Nov 12 - signed up spent money nut no voucher. According to MSE a voucher would be sent by email by Jan 24 - got a couple of hours to go but I'm not confident
• email / phone them, i will be if voucher doesn't turn up.
  keep us posted on your progress
• OK phoned customer services, they say there has been some mix up / tech prob and they are putting voucher in post to me! Say that this is an isolated problem and no one else affected - we will see. Will update if and when I get voucher
• Oh that's interesting - I haven't had my voucher yet too! Will call them too!
• Hmm, my person wasn't as helpful - was told I should have had email on January 7th - which I didn't.
  I was told those people who didn't get email, as they bounced back (!?) should receive voucher this week in the post? If I don't hear anything, I need to call next weekend to chase apparently...
• Never got the Ј30 voucher from last time
  Poor customer service too; called, they promised to send another voucher, never got that either!!!
  The original voucher is emailed out (which I never got) and is very short dated according to others who actually got it.
• Phone call received within minutes after tweeting & voucher emailed within the hour.
• Tweeted (set up Twitter especially!!!) and they called straight back and gave me code on phone!!! Much better service
• Its been a week not received voucher. Resorted to twitter and was emailed a voucher immediately, why could it not have been sorted when I spoke to them?. Am annoyed that had to make so much effort - no apology or explanation, am wondering how many people will not notice that their voucher failed to appear
• I seem to have made a mistake with this card. Drawn in by the 19 months free interest on purchases I didn't pay enough attention to the T&C.
  According to the website you get free interest only if you pay the card off in full every 55 days. Not what I was looking for
• The summary clearly states 0% p.a for purchases for 19 months from account opening
  https://bank.marksandspencer.com/pdf/CCSummaryBox.pdf
• surely thats AFTER the introductory 19 months 0% interest.
  Most credit cards have 55 days interest free.
  eg . spend at start of month and don't pay until statement payment due date
• i got 2 Ј30 vouchers. go team me lol