One of the most popular products offered by M&S Bank is its credit card, which allows you to buy now and pay later for your shopping – without paying interest. It also offers rewards which can be redeemed in store. The credit card is not just valid in M&S stores though. As it carries the MasterCard logo, it's also accepted in millions of outlets all over the world.
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Your personalised chance of approval
We've used the details you gave us to show you how likely you are to be accepted for each card.
Why is this important?
Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.
The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.
Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".
If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.
If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.
If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.
In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to match your details at the credit bureau to be able to do the smart search check.
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