We can offer a range of support for M&S Credit Card and Personal Loan customers who
impacted by Covid-19.
If you need to pay your credit card, there are different payment options that are
available to you - and
you don't even have to leave the comfort of your own home. For further information on
how to do this,
simply visit our ways to pay page.
To support customers at this time, we can look at temporary increases in credit card or
this would be reviewed and tailored on the basis of individual customer circumstances.
If you would like to discuss your financial situation with us, visit our contact
us page to find useful information and ways to contact us.
Is it possible to request to defer repayments for my personal loan,
storecard or Personal Reserve account?
To support customers who are financially impacted by Covid-19, M&S Personal
Loan customers can now request to defer three monthly repayments. M&S
Credit Card, Budgetcard, Chargecard and Personal Reserve customers
have the option to request a three-month payment holiday.
Customers can find more information and apply online via our financial support
These options are designed to support customers whose repayments were up-to-date prior to
the impact of
Covid-19. Requests are subject to approval following a review of individual accounts.
If you were experiencing financial difficulties before the impact of Covid-19, this might
not be the best
solution for you. Our Customer Services Team have a range of tools to help and will
further with you. Find out how to contact us.
Am I entitled to claim back money if I haven't received goods or
services as a result
As various events, holidays and other plans are cancelled due to Covid-19, you may be
looking at whether
you can get a refund.
To find out more and for general guidelines relating to travel plans affected by
Covid-19, visit our dedicated page.
I'm due, or have received a refund to my credit card and I'm now in
credit. Can I get this refunded to my bank?
Yes you can get a refund, once the refund is showing on your statement balance. We would
ask that you monitor your account online, if you're registered. Once the refund is
showing simply sign in and send us a secure message, in the 'My Messages Centre', with your bank
sort code, account number, amount and name on the account. Alternatively, call us on 0345 600 5860 and we'll
for you. There is no charge to do this.
I'm due to receive a refund but have since changed my credit card,
will this still be refunded?
Yes the refund will still be credited to your account even if you no longer have the card
the original purchase was completed on.
What is a late payment fee?
Under your credit card agreement, you are required to make a minimum payment by the due
date shown on your monthly statement. There's a £12 late payment fee if your minimum
payment isn't made on time in any month. You need to make your minimum payments each
month, as missing your payment can affect your credit file.
Will there be any changes to my credit card APR or balance transfer
offer due to
We haven't planned any changes to your APR or existing balance transfer offer as a
Covid-19. If there are any changes to any products we will contact customers in advance
of making these