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Earn 3% Cashback on EVERYTHING you buy until March 2007 with Morgan Stanley

cutthroat_jake Avatar
1d, 4w agoPosted 1 decade, 4 weeks ago
OK guys. I'm not too sure where to post this, and I can't believe that it hasn't been posted before, so here it goes in the SALE section.....

The Morgan Stanley Platinum Credit Card is offering 3% cashback on all your purchases until March 2007, then 1% thereafter. This is the best cashback card available in the UK.

Now we all love a deal, and most of us already use and love Quidco, but here's a chance to double our cashback!

With Christmas looming and the average household spending going through the roof, we could all reap the benefits of this offer.

I applied for the card and received it within a week. I've already earned over £100 cashback after a few major purchases, including a new Panasonic plasma telly!

I urge you all though to use this credit card only as a tool to achieve cashback and a month's interest free credit. What I'm saying is, please pay your balance off in full at the end of the month.

This is the opposite of that dog ad that comes on the telly every year, this credit card is NOT for life, and IS just for Christmas!

:pirate: CJ :pirate:
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cutthroat_jake Avatar
1d, 4w agoPosted 1 decade, 4 weeks ago
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#1
thanks for this cutthroat_jake :)
#2
Just to make things totally clear (as mud) here are the terms of the cashback scheme.....

The Cashback Bonus award is 1% of the first £2000 of Purchases in a particular year followed by 0.5% of the remaining Purchases made within your Credit Limit in that year. Unless we notify you otherwise, in any year, the maximum amount of Purchases and/or part of a Purchase on the Account (excluding any Purchases for which you have been given a refund) which are eligible to earn Cashback Bonus award is £20,000. From the date your Account is opened up to and including 1st March 2007 , we will triple the amount of Cashback Bonus award you earn in accordance with the Rules. Other Rules apply and you will not be able to earn and/or redeem Cashback Bonus award in certain circumstances or on certain Purchases. See Cashback Bonus award Programme Rules for further information.

Cashback BonusTM award Programme Rules

1. Introduction and Definitions
These rules (“Rules”) set out the basis on which you can earn and redeem Cashback Bonus award. Please read all the Rules together as a whole to understand how we calculate your Cashback Bonus award, the circumstances in which you will not be entitled to receive the award, how and when you can redeem the award, and other Rules relevant to the Cashback Bonus award. Words which have a particular meaning in the Card Conditions have the same meaning in these Rules. In these Rules, the period from the date we open your Account to the anniversary of the date of your first statement, and each successive 12 month period thereafter, are each called a “Year”.

2. How do we calculate your Cashback Bonus award?
We will work out the Cashback Bonus award you earn in accordance with these Rules and show a provisional running total of the value of the Cashback Bonus award on each statement.

3. We will calculate the Cashback Bonus award you earn in accordance with these Rules on Purchases (excluding any Purchases for which you have been given a refund).

4. Subject to the terms of any other offer we may tell you about from time to time, the Cashback Bonus award you earn in accordance with these Rules will be 1% of the first £2,000 of any Purchases and/or part of a Purchase on the Account in a Year followed by 0.5% of the remaining Purchases and/or part of a Purchase on the Account in that Year.

5. Unless we notify you otherwise, in any Year, the maximum amount of Purchases and/or part of a Purchase on the Account (excluding any Purchases for which you have been given a refund) which are eligible to earn Cashback Bonus award under these Rules is £20,000.

6. When will you not be entitled to earn and/or redeem Cashback Bonus award?
Your entitlement to earn and redeem Cashback Bonus award in accordance with these Rules will be affected in the following ways:[LIST]
[*]If you have asked us for time to pay overdue payments on the Account, or we suspect fraud, or mail we send you is being returned to us (each, an “Event”) or you have died, we may in our absolute discretion (i) suspend your right to earn and/or redeem any Cashback Bonus award under these Rules for the duration of our investigation of the Event and/or (ii) cancel any Cashback Bonus award you may have earned and/or (iii) apply the amount earned to your Account;
[*]If the Account has been closed, or bankruptcy proceedings have been started against you, or you and/or any Additional Cardholder have committed a fraud on the Account, or you have made no Transactions on your Account for more than 2 years or you are more than 2 months behind with your payments, you will not be eligible to redeem any Cashback Bonus award and any Cashback Bonus award you may have earned will be forfeited;
[*]If you fail to make your monthly minimum payment by the Payment Date or exceed your Credit Limit, we may in our absolute discretion suspend your right to earn and/or redeem any Cashback Bonus award under these Rules and/or cancel any Cashback Bonus award you may have earned;
[*]You will not earn any Cashback Bonus award in relation to any Purchase or part of a Purchase in any particular statement month where the total amount of Purchases and/or part of a Purchase already made (less the amount of any refunds) on the Account during that statement month exceeded the amount of the Credit Limit at the time of the Purchase; and
[*] Purchases which are made in relation to gambling or gaming of any manner (including payment for a chance to win a prize) will not be eligible to earn Cashback Bonus award under these Rules.[/LIST]7. How and when can you redeem your Cashback Bonus award?
You may only redeem Cashback Bonus award in multiples of £15. If, at any time, the Cashback Bonus award you earn in accordance with these Rules is £15 or more, you may contact us to redeem a Cashback Bonus award. You may not redeem Cashback Bonus award in amounts of less than £15 or amounts within any multiple of £15. For example, if, in accordance with these Rules, you have earned a Cashback Bonus award of £29 and request to redeem the same, you may only redeem £15 at that time. The remaining £14 will accrue for your benefit until such time as you are entitled to redeem it (subject to the terms of, and your compliance with, these Rules). Upon receiving a valid request from you to redeem your Cashback Bonus award, we will pay you the award by cheque or by credit to your Account (at your choice). Please allow 28 days from the date of your request to us for the award to be received by you.

8. Other Programme Rules
If you are given a refund for a Purchase after we have given you your Cashback Bonus award (and we had included that Purchase when working out the value of your Cashback Bonus award), we will take the refund into account when working out the value of your next Cashback Bonus award.

9. We may change the relevant percentage and make other changes to, or withdraw, the Cashback Bonus award Programme, by giving you notice. We may also include the value of Account Cheques which we treat as Balance Transfers or Cash Advances when calculating the amount of the Cashback Bonus award. We will tell you if we do this. We will give you 30 days advance notice of any changes, unless they are to your advantage, in which case we will make the changes and tell you afterwards.

Phew!

:pirate: CJ :pirate:
#3
Egg Money or an American Express (pays well over £7500 spends) may be better. This is great for the introductory offer, but not much more.
[SIZE=2][/SIZE]
[SIZE=2]For a crimbo card, it's excellent. I'm gonna stick to my Tesco Platinum though for all the tesco points! Works out around 2% flat if used on deals and no top end.[/SIZE]
#4
grdesign
[SIZE=2][/SIZE]
[SIZE=2] I'm gonna stick to my Tesco Platinum though for all the tesco points! [/SIZE]


You and tesco points!
#5
Thanks for this jake.:thumbsup:
These cashback credit cards are great.......but only if as you say that they are paid off at each statement.I have had a Thomas cook credit card for years which credits you back with a standard 1 1/2 %,but not in cash,in thomas cook points.I have saved hundreds of pounds off holidays over the past few years.I use the card for everything i can,but always,always pay it off every month.This morgan stanley card is worth getting even to use until march and then i can go back to my thomas cook card.Pity they aren't on quidco.
#6
Thanks for the info cutthroat_jake; voted +
#7
I guess the 3% only applies to new customers?
#8
mchu6am4
I guess the 3% only applies to new customers?


It applies to people opening an account, so yes new customers.
However, this is a Morgan Stanley Platinum Mastercard. If you a different product with them you could also legitimately apply for this card.

:pirate: CJ :pirate:
#9
Amex is miles better in my opinion. Its 1.5% cashback on all spend over £7500. It used to be 2% up till a couple of months ago.

Plus there is no upper limit. I have a Morgan Stanley Card, its a bit of a gimmick, with the limits on spend and 0.5% not that great really. I have moved everything including all my business spend to Amex and only use the Morgan Stanley Card when I cant use Amex, which isnt that often these days.
#10
I'm also a "cashback credit card" chaser.

Egg used to be the best (1% cashback), but then it dropped to 0.5% (plus a pointless "rewards" scheme) and is now at 0.1%.

I use my Smile Visa now. It gives 0.5% cashback if you have a current account aswell as a Visa card, but you get that cash back the following *month*.. not at the end of the year, as all other cards seem to do.
#11
Debenhams Gold Credit card (by GE) gives 2% back in debenhams vouchers (attached to your statement) for first 6 months for all purchases made OUTSIDE Debenhams and 1% for all puchases INSIDE Debenhams (nectar points on the inside sales) These vouchers have no minimum spend so you can use as cash. Falls to 1% / 0.5% after 6 months.

Pretty good if you shop in Debenhams as you also get 20% off all restaurant / coffee shop buys and invites to sale preview nights and other debenhams offer vouchers , currently card holders have £200 of vouchers to use this week for example one is £60 off a £300 spend another is £3 off £30 spend and you only get those vouchers by having a card so i use it and pay the balance off every month which brings in a few extra £££ in vouchers.
#12
UncleMike
I'm also a "cashback credit card" chaser.

Egg used to be the best (1% cashback), but then it dropped to 0.5% (plus a pointless "rewards" scheme) and is now at 0.1%.

I use my Smile Visa now. It gives 0.5% cashback if you have a current account aswell as a Visa card, but you get that cash back the following *month*.. not at the end of the year, as all other cards seem to do.


Egg Money Card gives 1% cashback, and it's instant.
#13
X10
Egg Money Card gives 1% cashback, and it's instant.

Hi X10, Thought that Egg Money had dropped their cashback from 1% to 0.1% however stand corrected if this is incorrect. Personally do not like Egg because of the fact that they've repeatedly allowed for my credit card to be used fraudulently and are not the most approachable of credit card companies in my experience.

Morgan Stanley customer service is second to none.

The only reason why my gf and I are keeping our Egg accounts open is because of their 5% and occasional 10% instant cash back promotions otherwise would've ditched Egg long-since.

HTH.
#14
Don't forget that not only do Morgan Stanley offer cashback on purchases but they also offer discounts on purchases from JohnLewis.com and Dixons.co.uk (basically works out at 5%. What you need to do is log onto the Morgan Stanley web-site and click through the link that re-directs to a company called Interfil, buy store vouchers in multiples of £100.00 and every £100.00 you spend costs £95.00 (which can be used online with JohnLewis.com, not sure about Dixons.co.uk). Vouchers are shipped via Recorded Delivery or Special Delivery (depending on the value of the order).

Cannot recommend them (Morgan Stanley and Interfil (via the Morgan Stanley web-site) enough.
#15
Morgan Stanley customer service is good and so is their website and online access. But so is Amex. In fact it dosnt get any better than Amex in my experience, they even let me off £300 in interest one month when I forgot to pay as I always pay my balance in full each month.

You also get the 3% intro deal with amex platinum card when you signup at the moment I believe. Go through Quidco and get £10 for a successful application on the Platinum card as well !

The only problem with Amex histrocally is that it wasnt universally acceted in the UK; things have changed though, most places now take it, you can even use it at the likes of Woolies and HMV online. My local pub even takes Amex now....

I am a big fan of Amex as you can tell and have made it my mission to get as many people to get a card as possible. Great card, great service I cant recommend them enough. I guess at the end of the day its how much you are gong to spend. less than £7500 a year they both offer 0.5%, over this amount you get 1.5% with amex and no upper earning limit (v £20,000 with Morganstanley)
#16
Interested to read that MacNewbieInTraining vbmenu_register("postmenu_166191", true); doesn't like Egg because they allowed his card to be used fraudulently. I had the same thing a few years ago; my egg card was used to at my local Sainsburys for £300+ and then used to pay someones NTL bill!
After alerting Egg, they had me filling in lots of forms, which was fair enought, but when I contacted then several times to ask if there was an investigation into the fruad and if anyone had been caught (tracing the NTL bill seemed like a good lead to me), they told me nothing. I got the impression that fraud was so commonplace that they didn't care.
#17
alera
Amex is miles better in my opinion. Its 1.5% cashback on all spend over £7500. It used to be 2% up till a couple of months ago.

Plus there is no upper limit. I have a Morgan Stanley Card, its a bit of a gimmick, with the limits on spend and 0.5% not that great really. I have moved everything including all my business spend to Amex and only use the Morgan Stanley Card when I cant use Amex, which isnt that often these days.


Can someone clarify what percentage Amex pay out under £7500?

Its 1.5% over £7500 but in a year I dont spend that much on my card so its no good to me. I currently have a Morgan Stanley card, which at the time (last year) were doing a 2% introductory rate. Now its gone back to 1% (0.5% over £2000) which I use for most purchases.

Just wondering what would be better for someone who spends about £3000 on their card each year.
#18
alera
Morgan Stanley customer service is good and so is their website and online access. But so is Amex. In fact it dosnt get any better than Amex in my experience, they even let me off £300 in interest one month when I forgot to pay as I always pay my balance in full each month.

You also get the 3% intro deal with amex platinum card when you signup at the moment I believe. Go through Quidco and get £10 for a successful application on the Platinum card as well !

The only problem with Amex histrocally is that it wasnt universally acceted in the UK; things have changed though, most places now take it, you can even use it at the likes of Woolies and HMV online. My local pub even takes Amex now....

I am a big fan of Amex as you can tell and have made it my mission to get as many people to get a card as possible. Great card, great service I cant recommend them enough. I guess at the end of the day its how much you are gong to spend. less than £7500 a year they both offer 0.5%, over this amount you get 1.5% with amex and no upper earning limit (v £20,000 with Morganstanley)


Here Here...AMEX is brilliant, best so far. Cusomer Service is consistent, no bullsh1t, no need to ring back to get the answer you want, the people who answer the phone treat you like someone they want to keep and their knowledge is brilliant..why cant all companies be like them? Tut.

Oh and credit card details were copied and they pro-actively contacted me, locked the account, ordered a replacement card, the lot, even apologised for asking me some basic details over the phone, brilliant stuff.
#19
Ok customer service is great ;)

But what are their rates below 7.5k?
#20
williegofar
Interested to read that MacNewbieInTraining vbmenu_register("postmenu_166191", true); doesn't like Egg because they allowed his card to be used fraudulently. I had the same thing a few years ago; my egg card was used to at my local Sainsburys for £300+ and then used to pay someones NTL bill!
After alerting Egg, they had me filling in lots of forms, which was fair enought, but when I contacted then several times to ask if there was an investigation into the fruad and if anyone had been caught (tracing the NTL bill seemed like a good lead to me), they told me nothing. I got the impression that fraud was so commonplace that they didn't care.


This is pretty much the case with all credit card companies - plus they're not allowed to tell you anything about another individual under the data protection act.

The credit card company just claw the money back from NTL (plus a fee!). It may also have turned out to be a genuine error and not fraud.

The defrauded companies also don't care - my card was used by someone in London to pay for some dodgy TV channels, and the company in question didn't even cut the person off when I reported it. (I did get my money back from the credit card company of course.)
#21
OK, 2 issues I wanted to discuss here:

1) AMEX has a great customer service, but the card itself is a joke: if you travel outside of the UK, there are MANY places where AMEX is not accepted. Some time ago I spent 3 weeks in France, and there were many places that didn't accept AMEX. I had to pay in cash quite often because of that. Once i got home, I cancelled my AMEX card.

2) Most of the people on this forum spend well below under £7500/year, so in that case AMEX would be useless for them. Morgan Stanley offers a high cashback rate (time limited) and you start earning money from your first purchase!

So, what card will you get at the end depends a lot on your spending habits!
I'll stick to my Visa card (and soon a MasterCard) for my travelling overseas!
#22
alien7
OK, 2 issues I wanted to discuss here:

1) AMEX has a great customer service, but the card itself is a joke: if you travel outside of the UK, there are MANY places where AMEX is not accepted. Some time ago I spent 3 weeks in France, and there were many places that didn't accept AMEX. I had to pay in cash quite often because of that. Once i got home, I cancelled my AMEX card.

2) Most of the people on this forum spend well below under £7500/year, so in that case AMEX would be useless for them. Morgan Stanley offers a high cashback rate (time limited) and you start earning money from your first purchase!

So, what card will you get at the end depends a lot on your spending habits!
I'll stick to my Visa card (and soon a MasterCard) for my travelling overseas!


Same here!
#23
AMEX platinum card is offering 3% for first 3 months and then: 0.5% for aggregate amounts up to £3,500; and 1% for aggregate amounts from £3,501 to £10,000; and 1.5% for aggregate amounts in excess of £10,001.

AMEX is accepted most places. For those who complain that it isn't accepted everywhere: Why don't you have two cards? I have an AMEX and a Mastercard. I prefer the Amex because it gives money back - the Mastercard is an ok alternative because it earns points.
#24
gobofraggle
AMEX platinum card is offering 3% for first 3 months and then: 0.5% for aggregate amounts up to £3,500; and 1% for aggregate amounts from £3,501 to £10,000; and 1.5% for aggregate amounts in excess of £10,001.

AMEX is accepted most places. For those who complain that it isn't accepted everywhere: Why don't you have two cards? I have an AMEX and a Mastercard. I prefer the Amex because it gives money back - the Mastercard is an ok alternative because it earns points.


No my mastercard gives cashback not points. In my case Mastercard is better for me. Think it all depends on how much u spend each year.
#25
mikeyp
No my mastercard gives cashback not points. In my case Mastercard is better for me. Think it all depends on how much u spend each year.


Yes, I was talking about *my* mastercard. Mastercard is just an umbrella through which individual banks issue cards with various benefits. I have one with points because it works out at a higher percentage than the one I used to have which offered cashback.

Still, my point remains - Amex kicks @ss and comes with all kinds of benefits re. travel insurance, top-notch customer service etc. - and it costs nothing to also have a Mastercard or Visa.
#26
MacNewbieInTraining
Hi X10, Thought that Egg Money had dropped their cashback from 1% to 0.1% however stand corrected if this is incorrect. Personally do not like Egg because of the fact that they've repeatedly allowed for my credit card to be used fraudulently and are not the most approachable of credit card companies in my experience.

Morgan Stanley customer service is second to none.

The only reason why my gf and I are keeping our Egg accounts open is because of their 5% and occasional 10% instant cash back promotions otherwise would've ditched Egg long-since.

HTH.


LOL, my g/f is a fraud invesitgator for Egg - ill let her know what you think!

The only way your c/c could have been used is if you replied to a phishing email, let it out of your sight or bought stuff of dodgy people/websites - same as any credit/debit card really....:roll:
#27
williegofar
Interested to read that MacNewbieInTraining vbmenu_register("postmenu_166191", true); doesn't like Egg because they allowed his card to be used fraudulently. I had the same thing a few years ago; my egg card was used to at my local Sainsburys for £300+ and then used to pay someones NTL bill!
After alerting Egg, they had me filling in lots of forms, which was fair enought, but when I contacted then several times to ask if there was an investigation into the fruad and if anyone had been caught (tracing the NTL bill seemed like a good lead to me), they told me nothing. I got the impression that fraud was so commonplace that they didn't care.


If its under £500 they write it off and don't even bother investigating it now as there is so much fraud going on in the uk today with all these foreigners invading our shores (not racist - a fact) they would need hundreds of fraud investigators. The police don't want to know so what do you suggest that they do? It is the police at the end of the day because a crime has been commited and should be investigated accordingly.
#28
williegofar
Interested to read that MacNewbieInTraining vbmenu_register("postmenu_166191", true); doesn't like Egg because they allowed his card to be used fraudulently. I had the same thing a few years ago; my egg card was used to at my local Sainsburys for £300+ and then used to pay someones NTL bill!
After alerting Egg, they had me filling in lots of forms, which was fair enought, but when I contacted then several times to ask if there was an investigation into the fruad and if anyone had been caught (tracing the NTL bill seemed like a good lead to me), they told me nothing. I got the impression that fraud was so commonplace that they didn't care.


Hi, On 2-3 seperate occasions transactions that were not authorized by myself appeared on my Egg VISA/Mastercard statement. Egg used to be a good company to deal with however I do not believe that they are anymore. Another gripe i've got with them is the fact that they charge £2.00 for partial balance payments made by cheque due to the fact that they're an internet company (that's the reason they give), their 'reply to' messaging facility still does not work despite the fact that they've been advised of this over and over again.

I think that my gf has had similar experiences with Egg. Quite simply they do not seem to care about customer service (in our experience).
#29
MacNewbieInTraining
Another gripe i've got with them is the fact that they charge £2.00 for partial balance payments made by cheque due to the fact that they're an internet company (that's the reason they give),


This is laid out to you when you open the account, so how is that a gripe???

If you can pay by cheque then you can pay by debit card over the phone/internet for free. Egg more than likely have to pay to transact the cheques much like most financial institutions that deposit a large number of cheques a day.
#30
jrw
LOL, my g/f is a fraud invesitgator for Egg - ill let her know what you think!

The only way your c/c could have been used is if you replied to a phishing email, let it out of your sight or bought stuff of dodgy people/websites - same as any credit/debit card really....:roll:

Hi jrw,

The only way your c/c could have been used is if you replied to a phishing email, let it out of your sight or bought stuff of dodgy people/websites - same as any credit/debit card really....:roll:

That's kind of got me mad however i'll remain calm.

I do not and have never responded to phishing e-mail. I never divulge credit card details over the phone where called by cold-call-canvasers. I never divulge credit card details on web-sites that are less than 128-bit encrypted.

I do not use my Egg VISA nor Mastercard on any web-sites that I am not 100% confident with i.e. eBuyer, Maplin to name but two.

Transactions that i've not authorized include the following Dell Corp for £2,500.00 approx (this transaction appeared on my account several years ago now and i'd never had any dealings with Dell Corp).

Most recent transactions that i've not authorized are O2 PYG top-up (I do not have an O2 mobile), VirginTrains (i've never travelled on Virgin Trains).

Please do not make assumptions like the one that was made.

I believe that the Egg web-site is very much open to hackers, reason being because they do not use drop-downs for entering in username, password plus other details. Keyloggers can easily be used surely?. I'm very concious of this.

Rgds.
#31
Egg do at least step up to the mark when they make a mistake. They gave me incorrect information twice in a row (it was around the time they changed the payment date for egg money and their website & call center staff had wrong info). Inconvienced me a small amount and CS on the phone were a bit cheeky, so I sent in a well written polite complaint (via proper snail mail) and got £100 in compensation.
#32
jrw
This is laid out to you when you open the account, so how is that a gripe???

If you can pay by cheque then you can pay by debit card over the phone/internet for free. Egg more than likely have to pay to transact the cheques much like most financial institutions that deposit a large number of cheques a day.


Jrw, Just because your gf works for Egg does not give you the right to defend what my gf and I consider a dire level of customer service. I've had an Egg credit card since Egg were initially formed. They DID NOT used to charge a £2.00 handling fee for processing cheques. I know this because I used to make part-payments by cheque.

No offense intended but I get enough grief with Egg dealing with them directly and do not want to argue about them on HotUKDeals. The only reason why my gf and I are keeping our Egg accounts open are down to their 5% and 10% occasional cash-back offers otherwise Egg would've been given the heave-ho long since.
#33
jogu
Egg do at least step up to the mark when they make a mistake. They gave me incorrect information twice in a row (it was around the time they changed the payment date for egg money and their website & call center staff had wrong info). Inconvienced me a small amount and CS on the phone were a bit cheeky, so I sent in a well written polite complaint (via proper snail mail) and got £100 in compensation.


Hi Jogu, Well done. Think writing them a polite complaint was a good idea. Tried that however the complaint was ignored. Quite recently Egg repeatedly tried to make direct debit payments from a current account that is no longer used (despite the fact that they were advised in writing of the change and they (egg) responded in writing confirming that no further direct debit payments would be taken from the no longer used current account), anyway, interest charges and late payment fees were applied. Many, many months went by before egg finally agreed that a mistake was made and the interest charges and late payment fees refunded. No apology was offered nor was any form of good-will gesture regardless of the fact that i've been a loyal customer of theirs since Egg were initially formed. Just one of many blunders experienced with Egg by myself and my gf.
#34
hi CJ,

i would like to correct your understanding of the 3% cashback MorganStanley is offering.

i was looking at it the other day, but after carefully reading the small print:

From the date your Account is opened up to and including 1st March 2007 , we will triple the amount of Cashback Bonus award you earn in accordance with the Rules.

src: http://www.morganstanleycard.co.uk/uk/data/card/platinum/plat.html

it's 3x the % cashback you would have been earning normally. i.e.
3% upto £2000
1.5% £2001+
for any (and only) purchase before 01/03/2007.

so please don't be miss lead to be 3% on all spend upto that date.

Amex however is indeed 3% on all spending for the first 3months.

hope this help, also i think you should therefore change your title and the content of your first post.
#35
jrw


The only way your c/c could have been used is if you replied to a phishing email, let it out of your sight or bought stuff of dodgy people/websites - same as any credit/debit card really....:roll:


Im curious, if people arent doing the above then how is this fraudalent activity taking place? Are Egg employing unscrupulous characters that are passing on card details? No offense to the guy whose g/f works for Egg.
#36
mikeyp
Im curious, if people arent doing the above then how is this fraudalent activity taking place? Are Egg employing unscrupulous characters that are passing on card details? No offense to the guy whose g/f works for Egg.


No offence taken an my point exactly....
#37
MacNewbieInTraining
Jrw, Just because your gf works for Egg does not give you the right to defend what my gf and I consider a dire level of customer service. I've had an Egg credit card since Egg were initially formed. They DID NOT used to charge a £2.00 handling fee for processing cheques. I know this because I used to make part-payments by cheque.

No offense intended but I get enough grief with Egg dealing with them directly and do not want to argue about them on HotUKDeals. The only reason why my gf and I are keeping our Egg accounts open are down to their 5% and 10% occasional cash-back offers otherwise Egg would've been given the heave-ho long since.


How am I defending it? I'm just baffled that you are moaning about Egg because someone used your card, you or Egg detected it and money was refunded with no loss to you. I have had an Egg card for over 3 years (well before g/f started there) and never had fraud although I have on my HSBC card. Dont know how they got details like you - Indian call centres are a big culprit through organistations themselves.

Just for information. Most of the fraud Egg recieve is through Phishing emails and through members of the family taking out egg cards in a family members name.

With regards to the £2 handling fee, you WOULD HAVE been notified this in the form of a change of T&C's as laid out by the FSA. You would have at this point had the option to terminate your contract whether you were tied in or not in the same way as mobile phone contracts.

I'm not bigging up Egg at all, im just stating facts. The same could have happened with any debit/credit card.

And just for the record i'm annoyed with Egg because my cashback one day disappeared. This again is in the T&C's about it so it was my fault for not reading them.

:thumbsup:
#38
jrw
How am I defending it? I'm just baffled that you are moaning about Egg because someone used your card, you or Egg detected it and money was refunded with no loss to you. I have had an Egg card for over 3 years (well before g/f started there) and never had fraud although I have on my HSBC card. Dont know how they got details like you - Indian call centres are a big culprit through organistations themselves.

Just for information. Most of the fraud Egg recieve is through Phishing emails and through members of the family taking out egg cards in a family members name.

With regards to the £2 handling fee, you WOULD HAVE been notified this in the form of a change of T&C's as laid out by the FSA. You would have at this point had the option to terminate your contract whether you were tied in or not in the same way as mobile phone contracts.

I'm not bigging up Egg at all, im just stating facts. The same could have happened with any debit/credit card.

And just for the record i'm annoyed with Egg because my cashback one day disappeared. This again is in the T&C's about it so it was my fault for not reading them.

:thumbsup:

Talk about bigging up Egg. My gf has read this thread and is hopping mad with the comments made also by the way as she too is a very disgruntled Egg customer.

I'm just baffled that you are moaning about Egg because someone used your card, you or Egg detected it and money was refunded with no loss to you.

- What makes you qualified to make a comment on this?. For your information there was a ludicrous amount of form filling involved going back and forth and no, refunds were not promptly made, and furthermore I was indeed out of pocket due to all of the phone-calls and Recorded Delivery letters that were needed in order for Egg to deal with the complaints. You are making a tremendous amount of assumptions here without knowing the facts.

With regards to the £2 handling fee, you WOULD HAVE been notified this in the form of a change of T&C's as laid out by the FSA. You would have at this point had the option to terminate your contract whether you were tied in or not in the same way as mobile phone contracts.

- Small print is very easily overlooked. Not exactly in the best interest of customers to slip in a £2.00 charge. Anyway, i've every right to be disgruntled with this as I am with other problems experienced with Egg regardless of what you're throwing straight back. You're obviously completely and utterly biased towards Egg.

I'm not bigging up Egg at all, im just stating facts. The same could have happened with any debit/credit card.

- We (my gf and I) are agreeing to disagree on this one. Funny how the both of us experienced problems like this with our Egg credit cards and never with any other credit cards. Granted problems like this can and do happen however Egg customer service is abysmal in both our experiences. Take it or leave it that's a fact.

Not prepared to discuss this any further. The complaints are not your concern. The reason why they were posted on this thread was because I/we think that people considering opting for an Egg credit card should be made aware of the catalogue of problems they've presented.
#39
hotdealseeker
hi CJ,

i would like to correct your understanding of the 3% cashback MorganStanley is offering.

i was looking at it the other day, but after carefully reading the small print:


src: http://www.morganstanleycard.co.uk/uk/data/card/platinum/plat.html

it's 3x the % cashback you would have been earning normally. i.e.
3% upto £2000
1.5% £2001+
for any (and only) purchase before 01/03/2007.

so please don't be miss lead to be 3% on all spend upto that date.

Amex however is indeed 3% on all spending for the first 3months.

hope this help, also i think you should therefore change your title and the content of your first post.


I realised that the title could be misleading, that's why I posted and highlighted the sections you mentioned in the terms and conditions.

Most people will only spend around 2 grand at Christmas anyway, and then they can cut the card up.

Thanks for your comments. It seems that this has now become an Egg thread now! Hehe.

:pirate: CJ :pirate:
#40
MacNewbieInTraining
Talk about bigging up Egg. My gf has read this thread and is hopping mad with the comments made also by the way as she too is a very disgruntled Egg customer.

I'm just baffled that you are moaning about Egg because someone used your card, you or Egg detected it and money was refunded with no loss to you.

- What makes you qualified to make a comment on this?. For your information there was a ludicrous amount of form filling involved going back and forth and no, refunds were not promptly made, and furthermore I was indeed out of pocket due to all of the phone-calls and Recorded Delivery letters that were needed in order for Egg to deal with the complaints. You are making a tremendous amount of assumptions here without knowing the facts.

With regards to the £2 handling fee, you WOULD HAVE been notified this in the form of a change of T&C's as laid out by the FSA. You would have at this point had the option to terminate your contract whether you were tied in or not in the same way as mobile phone contracts.

- Small print is very easily overlooked. Not exactly in the best interest of customers to slip in a £2.00 charge. Anyway, i've every right to be disgruntled with this as I am with other problems experienced with Egg regardless of what you're throwing straight back. You're obviously completely and utterly biased towards Egg.

I'm not bigging up Egg at all, im just stating facts. The same could have happened with any debit/credit card.

- We (my gf and I) are agreeing to disagree on this one. Funny how the both of us experienced problems like this with our Egg credit cards and never with any other credit cards. Granted problems like this can and do happen however Egg customer service is abysmal in both our experiences. Take it or leave it that's a fact.

Not prepared to discuss this any further. The complaints are not your concern. The reason why they were posted on this thread was because I/we think that people considering opting for an Egg credit card should be made aware of the catalogue of problems they've presented.



zzzzzzzz:lazy:

You obviously are always right.

It was the same the wireless router thread even though I am MS and CCNA (no doubt you will google CCNA!!) qualified and experienced it, you just read something off google and think you know everything.

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