M&S credit card random pending payment

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bigfrankbluebigfrankblue Forumite
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I’ve got an M&S credit card. I use it very rarely and it’s interest free for purchases, with about a year left on this promotional rate. 

Last week I paid the balance off, just under £2k. This was because I just wanted to clear it and simplify my debts. 

Tonight randomly at 11pm, I had a notification of payment appear as pending for £209. So, I messaged them via their chat and asked who the payment was for? The response I got (over the live chat) was that they’re two transactions for Marks and Spencer. Because they’re pending I can’t see any more info and they closed the chat without giving any more info. I’ve never had something like this before - could it be a glitch or could it be something more sinister? Anyone else had this with M&S Bank, which I think is run via HSBC?

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  • edited 22 October 2022 at 2:35AM
    cymruchriscymruchris Forumite
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    edited 22 October 2022 at 2:35AM
    Wait to see if they turn into cleared payments before worrying too much about it. 

    Do you mean payment as in payment to your account to settle the debt - or payment as in debit as in money spent?


    An ex-bankrupt on a journey of recovery. Feel free to send me a DM reference credit building credit cards from the usual suspects :) Happy to help others going through what I've been through!
  • born_againborn_again Forumite
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    Do you have to go through security over live chat?
    If not they will not be able to give any account details. I would suggest you ring them to find out.
    Life in the slow lane
  • [Deleted User][Deleted User] Forumite
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    If you didn't spend in M&S then ring back and report it as fraudulent
  • bigfrankbluebigfrankblue Forumite
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    Called and used the live chat. I did get interrogated a bit if they were genuine purchases I'd made, but I stood my ground and explained I was at work during the time of the transactions. They've now promised to refund the payments back and I asked for the card to be canceled and a new one issued. 
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