M&S credit card - 10% cashback, misleading?

TheBanker

deepee234 said:

I have just cancelled my M and S card because you are expected to use that credit card to pay for your goods at the store. I did not understand this and have been charged £27.13 each month for two months without using the service.
It seems to me that Mand S are showing their true colours and getting money from vulnerable and computer illiterate older people. Is it possible to get this money back??????

I have an M&S Card and I don't get charged £27.13 each month. Some months I use it, other months I don't. Are you carrying a balance that's causing interest to be charged? Or have you been withdrawing cash?

You don't have to use the M&S card to pay in M&S, they are quite happy to accept any card or even good old fashioned cash. But you get points for spending at M&S with their card, and occasionally other offers so it can be worthwhile if you spend a lot there.

MeteredOut

I'm mentally filed " you are expected to use that credit card to pay for your goods at the store. I did not understand this and have been charged £27.13 each month for two months without using the service" under things that did not happen.