Does H&M offer a credit card?

Girls’s clothes retailer H&M doesn’t offer a customary retailer credit card.

If in case you have heard about an H&M credit card, it’s most certainly an H&M merchandise credit card, which actually isn’t a credit card in any respect, however extra like a present card.

When folks return H&M merchandise with out a receipt or past the common 30-day return interval, a customary refund isn’t provided. As a substitute, a merchandise “credit card” is issued, with an quantity loaded on to the cardboard equal to the present promoting worth of the merchandise returned.

You may then use the cardboard to buy different H&M merchandise, with the quantity of recent purchases debited from the quantity on the cardboard — simply the way in which a present card or debit card would work.