Marks and Spencer (M&S) bank has sent replacement credit card way before expiry date of current card

OceanSound

My previous Marks and Spencer (M&S) credit card expiry date was July 2026 (I say was because now that I've activated or started using the new card I assume the old one will not be valid).

Around mid-October this year (2022) I received a new card via courier and that one has an expiry date October 2027. The expiry date has moved further ahead about a year and a bit. Has anyone else had the same experience? Usually, I receive a replacement card a few weeks or at most months before the expiry. Never years! Unless, of course, a bank such as Tesco bank redesigns the card and decides to change it to plain blue.

One thing I noticed with the new M&S card is that it has a start date (month and year). The previous card (the one with expiry 07/26) did not have a start date.

daivid

My frequently used cards typically get replaced about a year before they expire. Your case seems extreme, I would ring the helpline to ask why, has someone requested a new card in the hope of intercepting it? Or is there an innocent explanation perhaps the role out of an updated card, or an error in their scheduling?

OceanSound

daivid said:

My frequently used cards typically get replaced about a year before they expire. Your case seems extreme, I would ring the helpline to ask why, has someone requested a new card in the hope of intercepting it? Or is there an innocent explanation perhaps the role out of an updated card, or an error in their scheduling?

I would've thought the role out of an updated card would've been announced? 

Just figured out what it may have been. On closer inspection of both cards I can see the 'old' card has just 'rewards' written on the front, whereas the new card has  'club rewards'. 

I remember applying for the club rewards program in October. Then within the cooling off period I cancelled it. 

The new card must've been sent out soon after I joined the club rewards program unbeknown that I cancelled before the end of cooling off period.

WillPS

That would make sense - there is a different card design with a silver ampersand for the rewards members.