I've been a credit card customer for about 2 years but am probably going to cancel. M&S Bank tries to be modern but is exceptionally old-fashioned, with creaking systems that seem to constantly be failing. Couldn't pay my balance online for months and months, had to do it over the phone. They still have my address wrong because 'the system can't handle my flat number'. They have a useless 'AI' chat bot called MOBI which never gives you useful information. If you phone up, they will try to push you to use MOBI first. MOBI usually ends up putting you through to a human, who then tells you to phone the number you phoned originally. Today I had to spend 30 mins on the phone to try to get Google Pay set up, only to be told 'wait 48 hours and try again and it might work', which is the last straw. Their customer service is good, but I'd rather not have to deal with customer service in the first place. Unfortunately the systems behind this bank are a disaster and desperately need to be brought into the 20th century (let alone the 21st) as it's not fit for purpose in the modern banking world.