Morgan Stanley Credit Card

Signed up to Morgan Stanley card a while ago, which was then transferred to Goldfish, at which point the cashback T&Cs were completely changed (now they're quite woolly and in my opinion don't explain how the cashback works very well). Hadn't used my card in a while, but cashback balance was unchanged until I used my card again... at which point the cashback just vanished - imagine that!

1st customer service agent was very helpful and offered to reverse the forfeit, but cut me off when transferring me to her manager. 2nd agent was as rude as they come and told me I shouldn't have signed up to a card if I don't understand the T&Cs. Hmm - how very insightful! In fact I didn't sign up to the current T&Cs, and I certainly wouldn't sign up again!

They've offered a reduced amount of my cashback to be paid back to me - but not holding my breath at this point...

If you don't claim the cashback you don't get it. If you don't use the card for 12 months, you lose it. Customer services are not the best I've encountered.

Going to switch my card over because of poor customer service. The APR isn't great so you would expect a good level of service considering the high interest rate.

I have been a Morgan Stanley customer for ~10 months now. The most disappointing thing is the standard of customer service. It feels like they are 'bothered' by your call (you want what type of attitude) and generally give the wrong answer. I call to be told one thing, ring a week later to be told another. I have dealt with HSBC for all my life (current account) at least when you call you get the right answer. I also think the online banking is poor (though workable) and I struggle to believe it still takes 3 days to move money (I understand that's a credit card problem full stop just saying!)

Customer service tonight was appalling! Have written to them and emailed there press office, posting tomorrow will see if I get a response!

Customer service is horrendous... I keep a LOT of money with these people and when I called to dispute a $200 charge on my credit card they acted like it was a hassle so I would say they need to improve their customer service

Overall I thought I would like this card, but as soon as a pay off this month (like I do every month...on time) I'll drop the card and go back to AMEX or (shock) HSBC. At least you can call them and they have set procedures for issues

I had a Morgan Stanley card for a few years and used it for almost all my purchases. I travel abroad a lot and recently have had almost all my transactions canceled without warning - causing me major problems and embarrassment in hotels and stores around the world. Online purchases have been canceled leading to missed birthday presents and bill payments have been canceled leading to delayed payment penalty charges. I have had no explanation or prior warning for this. I spend £20-40k a year on this card and pay my balance in full every month - I earn a six-figure salary with a high credit rating. They have lost my business and I will be claiming back my unused annual fees in the small claims court. I would strongly recommend avoiding this card and Morgan Stanley.

Morganstanly can do better by giving 1% cashback for every pound spent on the card instaed of giveing 1% cashback for every £2 spent on morganstanly card because there are cards were you can get 1% 1.50% and 2% cashback on some credit cards.

They reduced my credit rating without warning by 2/3. We paid off the full balance at the end of each month but they still reduced our limit without letting us know. The only reason I can think of was that we were earning to much cash back.