Our Eligibility Check will give you an indication of whether you are likely to be accepted for one of our Credit Cards, without affecting your credit rating in any way.

So that we may consider you for a M&S Credit Card you need to:
  • Be a resident of the UK
  • Be over 18
Change in Circumstances

If you foresee any changes in circumstances that may affect your ability to repay the Credit Card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please contact us at branch or by telephone.

When you request a Credit Card Eligibility Check, we will process your personal information in order to provide you with an indication of whether or not you will be accepted for a credit card.We have partnered with Experian to provide you with a Credit Card Eligibility Check. The Credit Card Eligibility Check works by conducting a quotation search on your credit file. You will be able to see the search on your file, but other organisations won’t see it when they search your file. This means that it will not affect your credit rating.

Any quote obtained using the Credit Card Eligibility Check tool is for indicative purposes only and does not constitute an offer to provide credit. If you decide to go ahead with a full Credit Card application after you receive your quote, we will carry out a full credit reference agency check and affordability assessment. We reserve the right to decline any application for credit facilities or to offer to lend on different terms.

Your personal details will be kept confidential and will not be stored on our systems for longer than necessary. We will use the data we store as a record should you wish to access this in the future and to monitor and enhance future performance of the Eligibility Check. Please see our privacy statement. You can also view Experian’s privacy notice by going to https://www.experian.co.uk/consumer/partnerservices/privacy.html

If you choose to apply for a full Credit Card application, your Eligibility Check details will need to be re-entered.

If you are an existing customer and your name/address details have changed in the last 35 days or you have not informed us of a change of name or address, then please do not proceed with a Credit Card Eligibility Check as it may give you an inaccurate result. If this applies to you, please call us on 0800 997 996 to discuss your card options.

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Version: 124 Release Date: Monday, July 8, 2024