Going back when trying to open m&s ca and switch, it took so long that the interest rate went down on the regular saver a/c I intended opening. So my husband didn’t bother and just had the credit card. Then the quarterly vouchers offering points when you spend were to be used with my debit card so now they’re closing current a/cs I haven’t received the points vouchers which I normally receive with the money off vouchers earned while shopping with the previous points vouchers. My husband is still receiving these but I’m not even tho I too have a credit card. Did 2 online messages and not happy with the replies saying that the vouchers are sent out randomly like a lottery. This is untrue as we have received these quarterly since the credit card applications over a year ago. Not happy I have to switch my ca. When companies stop growing and customers are not happy with enquiry replies it might be a start to a slippery slope to extinction.