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.
If you are worried about making your next payment for your M&S Credit Card, Budgetcard,
Chargecard, Personal Reserve or M&S Personal Loan, please visit our Financial Support page to see the next steps to getting the
support you need.
Payment holiday/ Loan deferrals
You’re no longer able to request a new payment holiday after 31 March.
If you’re currently on a payment holiday, we'll be in touch before it ends to let you
know your options. If you're able to, you should begin making your monthly payments
If you have been receiving financial support by deferring your monthly repayments or
through a payment holiday, visit our what happens next page
to understand what happens after your deferred repayment or payment holiday period ends.
If your payment holiday or loan deferral period has ended and you are worried about
making your next payment, visit our Financial support to see
how we can support you further.
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.
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?
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,
call us on 0345 600
5860 and we'll arrange this 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