Best Cashback Cards Article Discussion Area

trisontana

harryb wrote: »

A couple of other things to know about the morgan stanley card:
- not only is it hard to get, they are very stingy with the credit limit.
- be very careful about using it abroad - if you use it without giving them at least 24 hours warning they will refuse all transactions.
- I haven't checked recently but you can't change the pin number
- Customer service is always a slightly stroppy and unhelpful

Apart from that it's fine!

Regarding cards abroad. It's always good practice to inform your card issuer (whoever they are) that you will be using your cards abroad. The reason they may block your card if you don't tell them is to protect you from transactions from cloned cards.

ffacoffipawb

harryb wrote: »

A couple of other things to know about the morgan stanley card:
- not only is it hard to get, they are very stingy with the credit limit.
- be very careful about using it abroad - if you use it without giving them at least 24 hours warning they will refuse all transactions.
- I haven't checked recently but you can't change the pin number
- Customer service is always a slightly stroppy and unhelpful

Apart from that it's fine!

I have my own PIN on mine. Had the card a few years, I think they sent me an encrypted slip through the post to select my PIN and return by mail.

Heinz

harryb wrote: »

A couple of other things to know about the morgan stanley card:
- I haven't checked recently but you can't change the pin number

You can change the PIN online (no need to go to a hole in the wall).

Viking_Man

harryb wrote: »

- Customer service is always a slightly stroppy and unhelpful

They've always been efficient and helpful when I have phoned them.

Womaniser

I too have just received a letter from MBNA telling me that the Conran card is finishing at the end of March. Now I face a dilemma.... I spend around £15,000 per MONTH on credit cards (personal and business) and need a card where the cashback earned is NOT capped. Morgan Stanley and Egg cap their cards, AMEX do not, although the company I pay £12,000 to each month do not accept AMEX. Are there any other companies out there who do not cap their cashback rewards? Thanks in advance.

OverlandLandy

Womaniser wrote: »

I too have just received a letter from MBNA telling me that the Conran card is finishing at the end of March. Now I face a dilemma.... I spend around £15,000 per MONTH on credit cards (personal and business) and need a card where the cashback earned is NOT capped. Morgan Stanley and Egg cap their cards, AMEX do not, although the company I pay £12,000 to each month do not accept AMEX. Are there any other companies out there who do not cap their cashback rewards? Thanks in advance.

As far as I could find out you have already mentioned the 3 cashback cards. Cash Back Cards are getting thin on the ground these days!

If you fly a bit - perhaps a BA Amex- spend £20k get a free companion ticket. Earnings are not capped.

If not - perhaps pick a good 'points' card?

Yogibear

I have a credit card with Nationwide they give cashback not much it`s better than a slap in the gub??I got the letter about the Conran card as well,really annoyed me as I only took it out in Jan. this year

BBeacon

Also received letter from MBNA. Emailed Conran and received the following

"I am afraid that at the moment there is no plan to continue the Conran Credit Card with another provider and apologise for any inconvenience caused."

New card here we come

Motty_2

BBeacon wrote: »

Also received letter from MBNA. Emailed Conran and received the following

"I am afraid that at the moment there is no plan to continue the Conran Credit Card with another provider and apologise for any inconvenience caused."

New card here we come

Egg Card for me as well I suppose :undecided


Richard

chelseablue

I have been accepted for the Morgan Stanley cashback card.

But what should I do after the 3% cashback ends on 1st July? Do I carry on using it or apply for an egg card or Amex?