Thinking about closing your credit card account?
We're sorry you're thinking of closing your M&S Credit Card. Please read the below information carefully before continuing to our closure form. 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 still have a balance on your credit card, we’ll keep your account open and continue to send you a monthly statement. Please keep making at least your monthly minimum payment by the due date (or more, if you prefer) until the balance is paid in full.
If any portion of the balance is interest-bearing, interest may still be applied after you’ve made your final payment. This remaining interest may appear on your next statement and must also be paid before the account can be closed. Your account can only be closed once your balance is £0.00 and there is no interest due. You will then receive a zero balance statement to confirm this. For ways to clear your balance, please 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.