copy they have sent has t&c's on seperate sheet looks like it is meant to be on the back of the signed application. copies bad quality and barely legible. not worth scanning on. how would i do this anyway. have a few other cards mbna and marbles but not started yet.any recommendations about these companies. also my wife has a &more card (credit card)with m&s. application form is for a chargecard or budget card. they possibly changed card type at some point does this affect things.

yes my wife signed a form authorising them to send out the request for the agreement. the copy of the application form the sent was original. what is the difference between an application and an agreement.

hi, i'm a newbie. i sent in a request for my wife to m&s re her credit card app with a s,77/78 letter from the templates on your site on 16/6/09. she did not sign it as advised. they sent a letter a few days later asking for a signature to authorise this. a reply was sent dated 7/7/09. i was away until now but i have seen you recommend 12+30+2+2 days before replying. can someone help me please as i don't know what to do next. am i too late. I have various other cards which i have not sent off requests for yet as i wanted to find my feet with this one first.