Have nothing to do with M&S Bank!! I have had a credit card with this bank for many years, but when I really need it, they are not there for me. I have fraud of more than £5000 on my card. Here are my specific complaints: 1) They did not stop two significant and large fraud claims, nor did they contact me about them; 2) They have no obvious way to report fraud: there is no dedicated or publicised fraud reporting line - nor is any number given on the back of my credit card; 3) The chatbot was useless - of course... 4) They have no 24 hour fraud reporting service - only standard office hours; 5) Fraud and refund teams work separately, meaning that having stopped the card, you then have to call a separate number. 6) The retailer (where this fraud was committed) determined that the transaction was fraudulent before handing over any goods and reported this to M&S Bank, yet the bank did nothing to stop the transaction. 7) I have been given 4 numbers I've needed to call to deal with fraud on my account: A) on the back of my credit card (not 24-hours), B) one which FINALLY came through on a text, then C) given to me by the guy who answered the call from the text, and from that, another number given to me by someone who answered the call from C). I have been holding for more than 15 minutes. They still refer to the Covid Pandemic as being the reason for not having a 24 hour phoneline - I no longer believe that this is acceptable as a reason.