Morgan Stanley Cashback...

GunJack

I applied for MS plat two weeks ago. Phoned new accts section today, as have heard nothing and no experian search registered. Lady informed me all apps go through processing dept first, and as yet no details logged on their system. They said there's a high volume of apps at present, but surely if you offer a good deal on bt, and advertise, they should gear up for the influx of new applications they're going to generate ??

CopperPlate_2

Well exactly. Considering some providers give you an instant decision online within a few minutes, it's a pretty poor show from an outfit the size of MS. Even if the decision is in principle, they could at least get themselves into the 21st century and have online approval up and running. At this rate, I'll have lost a month of the 3% cashback and I'll have done all my Christmas shopping... :rolleyes2

Phoenix79_2

GunJack wrote:

I applied for MS plat two weeks ago. Phoned new accts section today, as have heard nothing and no experian search registered. Lady informed me all apps go through processing dept first, and as yet no details logged on their system. They said there's a high volume of apps at present, but surely if you offer a good deal on bt, and advertise, they should gear up for the influx of new applications they're going to generate ??

I applied exactly two weeks ago and got my card and pin within 5 working days.

CopperPlate_2

*sigh* still nothing...

kenshaz

3% discount for Christmas would be good ,but they need to get their act together ,trouble is not every-one reads this thread,and will still apply ,but they have lost the chance of my application,time wasters.

kenshaz

billion25 wrote:

A common misconception is that the max credit score is 1000 ...it's not. The max credit score is something like 1200. A score of 971, which the original poster had, is okay but not fabulous.

Curious about your source of information,because when you say something like ,it appears that you do not have précis information.I feel that it is important to give the original poster valid info,for his/her peace of mind,because they are obviously a good credit risk ,just MS have obscure criteria.

[Deleted User]

I had no trouble with MS I applied and got one very quickly.I have had one since February and so far have 'earned' over £60.00 I think you can onlly get it in lots of £15.00 but as I am saving it up for my next years holiday I don't mind .It's great getting paid for using your own money.I use the card all the time instead of a switchcard and pay it off at the end of every month.I am very pleased with the company and they are very nice when you phone them up.

[Deleted User]

I had no trouble with MS I applied and got one very quickly.I have had one since February and so far have 'earned' over £60.00 I think you can onlly get it in lots of £15.00 but as I am saving it up for my next years holiday I don't mind .It's great getting paid for using your own money.I use the card all the time instead of a switchcard and pay it off at the end of every month.I am very pleased with the company and they are very nice when you phone them up.

[Deleted User]

I had no trouble with MS I applied and got one very quickly.I have had one since February and so far have 'earned' over £60.00 I think you can onlly get it in lots of £15.00 but as I am saving it up for my next years holiday I don't mind .It's great getting paid for using your own money.I use the card all the time instead of a switchcard and pay it off at the end of every month.I am very pleased with the company and they are very nice when you phone them up.

CopperPlate_2

Thanks JackieO - three times posting is really rubbing it in though...

Have found their customer services to be very good - it's obviously just the back office stuff that appears to let them down a bit IMO.

If I've not got the cards by the end of the week or PIN then I'll consider giving up on it. I'm happy with &MORE so far, apart from their no online account access yet, even though MS gives me cash back. I've got a good credit score and record with no blemishes at all - ever - yet they seem to be dragging their feet over this. Pity.