Marks and Spencer Bank Credit Card: 0800 997 996

Contact Marks & Spencer Bank for free on their freephone number 0800 997 996 to apply for a credit card, to pay off your existing debt, to let them know you are having difficulties making the repayments on your account and to report your credit card as lost or stolen.

Call Marks and Spencer Bank’s UK Credit Card contact number on 0800 997 996.

Contacting this number will allow you to address the full range of issues you may have concerning your credit and borrowing with the M&S bank.

For instance, you should call the number both to apply for a credit card and to put forward your enquiries pertaining to an existing card.

The customer services representatives at the end of the line will be able to process your credit record and application for the card in a professional and efficient manner. Similarly, the team will settle any queries you have, such as those regarding repayments and interest rates, and how much money will be expected of you, the consumer. Furthermore, the helpline is also great at dealing with complaints and concerns, whether it comes to account management or travel money and exchange

In my experience, banks associated with supermarkets particularly emphasise a duty of care with their customer base. These banks know that they have loyal customers in both the financial and retail sectors, and so try to foster good relations with helpful services throughout.

The Marks and Spencer Bank Credit Card line is open from 8am- 9pm, Monday to Friday, 8am-8pm on a Saturday, and 10am – 6pm on a Sunday. As the number begins with 0800, calls are completely free from a landline. However, 0800 numbers are rarely included in the minutes deals of mobile service providers so charges still may occur.

The Marks and Spencer Credit Card has a representative 18.9& APR variable. Perks include paying no interest for 15 months on balance transfers made within 90 days of account opening. The card therefore incentivises early purchases. However, if you’re reliable at paying back your repayments, this can be a great way of boosting your credit record. Similarly, a bonus is the ability to earn M&S points every time you shop with your card.

M&S Bank launched in Autumn 2012, following the establishment of M&S money 30 years prior, which provided a range of financial services. However, Marks and Spencer plc has a longer history. The multinational retailer was founded in 1884 by Michael Marks and Thomas Spencer in Leeds, UK and in 1998, was the fist British retailer to make a pre-tax profit of over £1 billion.

Phone Marks & Spencer (M&S) Bank on their credit card contact number 0800 997 996 to apply for a new card, to make repayments toward your credit card debt and to apply for a replacement card if yours has been lost, damaged or stolen.