Excellent credit card offering (Morgan Stanley Dean Witter)

Member Name: dougcam1

Product:	Morgan Stanley Dean Witter
Date:	08/12/06 (133 review reads)
Rating:

Advantages: Cashback bonus/freephone customer service line/helpful staff

Disadvantages: None

Would recommend this card to anyone who wants to earn cash for existing spending ***as long as you pay off the monthly balance***

This is an excellent credit card package with no annual fee. I was enticed originally by the cashback bonus, but can't find any reason having taken it to get rid of it. The bonus really does make you money, if you're in a position to pay off the balance each month. If not, there are cards with lower APR which might be more cost effective. You can earn 1% on the first £2000 and 0.5% on the rest up to £20,000.

The customer service number is freephone, and generally seems to be answered relatively quickly by helpful and knowledgable staff, the website is excellent with downloads to MS Money or Quicken if required.

The online application process seemed simple and quick, and I was using my new card less than 2 weeks later. They apply payments promptly, and have some special offers which give great bargains too!

Overall my experience has been overwhelmingly positive.

Summary: Excellent credit card, bonus, good service, no downsides I can find. Definately to be recommended.