HELP ; Morgan Stanley / Goldfish

Shaun_d123

Ok will try and keep this brief but apologies if it appears long winded

Have a Goldfish credit card which was used fraudulently back in Sept 2006. Nearly got it all sorted after much messing about just have a small amount of late payment charges to be removed.

I have sent several snotty letters to Goldfish due to being charged interest & late payment charges on fraudulent transactions.

I also have a Morgan Stanley card which today has had credit limit dropped from £4000 to £1080

My current balance is £1079.

I pay off 90% of my Morgan Stanley card every month.

My 2 questions are

Has my credit limit been dropped due to charges and late payments added to my Goldfish card (now owned by Morgan Stanley) ?

Will my credit rating be affected by the above ?

Hope all the above makes sense and any help would be much appreciated.

Before you ask I have telephoned Morgan Stanley who were about as much use as a chocolate teapot, hence my question on here

Fahim_2

Your credit rating might be affected somehow. Order and check your credit report from CRA's...

CLAPTON

as above get copies of your Credit record

but also why do you pay 90% off the MS card ..presumably you know you are paying interest on all the money each month...just that extra 10% and it will all be interest free.

Shaun_d123

I use the card for business (petrol, hotels etc etc)

These are paid back via my expenses so depending when they are paid to me depends on how much of my card is paid off. the outstanding amount is never more than £100 and never for longer than 1 month.

Have ordered myself my credit rating

CLAPTON

does the company pay the interest or do you ?