I should have looked at reviews of M&C Bank before I decided to apply for a credit card. M&S is a reputable corporation I would say has been in my eyes before, however the idea of locating customer service in the Philippines was the worst. From my own sad experience, I can tell you with confidence that this Bank is a scam, a potential scam. When I applied for the credit card online they added a club rewards option to it and immediately charged me £10 for the club membership. I spent this whole weekend talking to the Filipinos to sort out the issue of canceling this membership and finally when they finally sent me an email confirming the cancellation of my membership and credited £10, on Sunday morning I found you, that they issued me a debit adjustment of £10 as they called it, which puts my account back into arrears. I have never been in such disastrous times, you won't be talking to professional bank employees if you think you will, you will be dealing with third rate shoddy retailers who will agree with everything you said and by the end of the conversation you will realize, that you just wasted your time and left with a handful of empty promises and the same problems. I never thought M&S would provide such bad service to people. Cancellation is very difficult, you will never cancel your cards or the membership associated with that card. They advise you to fill out online cancellation forms that are not linked to your account. After submitting them you will never receive confirmation of your request and they will tell you that they don't see that you submitted the form. Even if you tell them that you want to cancel your membership or card, the very next day you will find that no changes have occurred and the next person you talk to will tell you that they are not aware of your request. This such professional passive-aggressive behavior left bad taste in my mouth for a long time.