From: "Virgils Ghost" 
Newsgroups: uk.finance
Subject: Re: Morgan Stanley creditcard annual charge?
Date: Tue, 24 Apr 2007 19:40:47 GMT

"eyup"  wrote in message 
news:H9ydnZqZMuD_qLPbnZ2dnUVZ8v6dnZ2d@eclipse.net.uk...
>I have also spoken to customer services. They advised Plat cards would not 
>have the charge. I was advised that the cut off for a Plat card is a £3k 
>credit limit. You cannot "upgrade" your card but can reapply.
>
> The cash back accumulated to date have to be redeamed in £15 incriments. 
> If you chose to close your account anything not utilised will be lost. Oh 
> and again is has to be utilised in £15 incriments so it likely some will 
> be lost. However if you reapplied, and were accepted, for the Plat card 
> you could transfer your remaining cash back to the new account.

Thankfully my cashback anniversary is mid May, leaving ample time to cancel 
by June ;)