How to safely close your credit card account

Thinking about closing your credit card account?

We're sorry you're thinking of closing your M&S Credit Card, below is a link to our closure form and a little information you will need ahead of the closure. Please note that once the account is closed you will not be able to apply for another M&S Credit Card for 30 days.

Balance

If you have a balance outstanding, we will continue to send you statements every month. You will need to make your monthly payment by the due date as usual until you've paid the balance off in full. For ways to clear your balance visit our ways to pay page.

We will opt you out of the M&S loyalty reward scheme which means you'll no longer continue to earn points when you spend on your card.

If you currently have a credit balance on your account, we will be in contact to refund this to you and we will issue a statement.

Direct Debits

We'll cancel your direct debit once the account is at a zero balance.

Subscriptions

We can't close your account with any active subscriptions. Please cancel any subscriptions with the retailers and then come back to complete form.

For communications regarding the closure of your account, we will ask you for your email address so we can contact you.