You can apply for a Marks and Spencers credit card online at the Marks and Spencers website. Once on the page, click on "Credit Card" in the left navigation menu and click on "Apply Now" to apply for the card online.
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No, I have not received a credit card that I didn't apply for.
There are numerous ways to apply for a credit card. One can visit the the websites for banks and apply online for their credit card. One can also call the credit card company they wish to apply for and apply over the phone or have them mail them the application.
No, you are not obligated to accept a credit card if you apply for one.
The way to apply for any credit card including a platinum credit card would be to go to the website and apply. You need a stable job and good credit too.
Once you know where to go, it is not hard to apply for an MBNA credit card. Apply for an MBNA credit card at their website or call 0800 068 8788 to apply.