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For banks with multiple iins, cards of the same type or within the same region will generally be issued. Morgan stanley is an american multinational investment bank and financial services company headquartered at 1585 broadway in the morgan stanley building, midtown manhattan, new york city. The morgan stanley credit card from american express is a black card, but only in terms of color. $200 airline fee credit for incidental charges such as checked bags per calendar year. 2020 consumer credit card industry study.

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