MBNA

Pros: Typical Platinum Card Benefits
Cons: Took Over the Mall Visa, Took Away the Perks!

My Mall VIP Visa Card has been owned by so many banks that I think of it as the orphan card in my wallet. The idea for a Mall reward card was first conceived of by Bank One. Within months they sold their portfolio to PNC Bank, and, a month or so ago,...

Pros: vacation points, great customer service
Cons: slow processing after fraud complaints

I have had the MBNA America Stanford Alumni Platinum Plus card for 6 or so years. What does the Stanford Part have to do with it? Nothing that I can tell. It has the name and logo on it (and some people comment on that), but other than that, it is no...

Pros: generally good for balance transfers
Cons: web site authentication security is questionable, customer service inconsistent

MBNA has been generally a good card for me -- but, first let me tell you something about my financial situation. I have enough credit cards and lines to buy a small house here in Southern California (if the seller would accept credit cards), and enough...

Pros: It's Easy to Qualify for one
Cons: Interest Rates are not fixed; excessive charges; deceptive practices

MBNA is the largest independent credit card issuer in the world. This company has flooded the marketplace with applications to sign up for one of its credit card products. It's quite easy to get approved for a card from MBNA, and that's why it's the...

Pros: Excellent customer service
Cons: Sending access checks among the advertisements with the monthly bill

Pros: Quality Service
Cons: Poor Rates

I worked for MBNA for over 6 years, and if I still worked there, I could lose my job over this review. I continue to be employed in the credit card industry, having been lured away by an arch rival.

MBNA is a very stodgy institution. They...

Pros: Online Bill Paying
Cons: Poor Customer Service, Poor Rates

...::MY EXPERIENCE::... Rarely do I ever use credit cards or finance purchases and with my experience at MBNA only strengthens my reluctance to do so in the future. I did not apply for an MBNA credit card or line of credit. It was just kind of ...

Pros: Lots of great programs -- something for everyone! Awesome customer service.
Cons: Expensive penalties, not-so-low interest rate

I’ve been an MBNA Visa cardholder since 1989. MBNA was one of those cards I acquired back in college, when they feverishly targeted students as suckers in hopes of leaching high interest payments from people who could rarely afford their own spending...

Pros: Easy to Get, Good Customer Service, Automatically Reduce Interest Rates (Visa)
Cons: Abusive Practices on College Campuses

Type: Visa
Other: University Alumni Association

Credit Limits: MBNA is certainly not afraid to give you a large line of credit. About five years ago, when I was a sophomore at UNH, I decided to apply for my first...

Pros: Many MBNA cards charge only 1% fee on foreign transactions vs 3% by most cards.
Cons: The usual: high fees, changing interest rates and credit limit.

Rather than reviewing the usual stuff like interest rates, customer service, etc. I'd like to make the case for a special reason you might want one of MBNA’s credit cards. My US Bank REI Visa Gold Card is my main credit card. I use it for all my ...

Pros: reasonable APR, no fees
Cons: it's translucent (like that matters); it's MBNA

Is your brain so thin and vacant that people can see through it? Do you have, or have you ever had, a pet rock, or a mood ring, or a talking plastic fish, or any other useless product that you bought because it was a novelty and everyone else was buying...

Pros: good balance transfer rates, very good customer service
Cons: takes some effort to get a "real" person on the phone.

For about five years I only had one credit card - a Discover Card I got while in college. I was a go ...

Pros: Their Web Site
Cons: Outrageous Finance Charges,Terrible Customer Service

The name MBNA still leaves a bitter taste in my mouth, months after paying this credit card off. Our MBNA Visa credit card was, no contest, the worst we have ever had.

Our original credit card was a Chase Manhattan Visa, but one day we were...

Pros: Easy to get a card
Cons: They'll do whatever they can to stick you with a high rate

Just about everyone I know has an MBNA card, most likely because they're so easy to get. However, beware. They will try to mess with you.

I've had mixed experiences with them in the past: none too great, none too terrible, but recently I had...

Pros: Gateway merchandise
Cons: Only pays off with high usage

Shortly after I bought my Gateway Computer three years ago, I noticed an ad for the Gateway MasterCard through MBNA. It offered a free card, so no cost to me, and a 12.97% interest rate which is fine since I always pay my balance in full each month....

Pros: Always lowering credit rates, helped build by credit, good customer service.
Cons: Must call in to get best rates, no other perks- only a low interest rate.

I got my MBNA (Canada) mastercard about 7 years ago through a banner advertisement on a website about college scholarships. I filled out the online form and got the card a few weeks later. I was approved for $1000 (unsecured) limit. I was surprised ...

Pros: Great credit line, good customer service, TWA FF miles, check your statement online anytime
Cons: none

If you want to earn frequent flyer miles on TWA and carry no balance, this is the card for you. I've had very good luck with MBNA for quite a while now. I rack up FF miles every time I use the card, and I use it quite often. I always pay off the...

Pros: No additional fees for foreign currency transactions
Cons: Surly customer service agents

Most credit cards are essentially interchangeable. One platinum card is pretty much like another. Reward program cards, where you earn frequent flier miles, or rebates on new vehicles, are in a category all their own. But non-reward program cards are...

Pros: Hey, they accepted my application.
Cons: Horrible customer service, insane APR, refuse to give anyone a break

It was the same sad song, sung again to fit my style.

I was targeted by MBNA as an impressionable, naive freshman with a skinny wallet and a bag of ramen noodles to my name. There they were, offering this piece of plastic that could actually...

Pros: Shinny Black Card of my favorite Sports Team
Cons: Very High Interest Rate

Hello, my name is Joe and I have a problem.

Hello Joe

The problem is simple, I love my credit card. If I can I buy some thing with a credit card instead of
cash I will. I hate spending cash, I hate carrying...

Pros: Accurate statements, low interest
Cons: Hard to get a limit increase, no special promotions

I've been a cardholder with MBNA almost a year now. I know that isn't long, but I feel that it's long enough to get an idea of a company.

I haven't had any problems with this card at all. I read all the horror stories online but I just can't...

Pros: None
Cons: Very poor customer service and lying representatives

I'm sorry to admit it but I actually worked for MBNA and I still got scammed. While employed at MBNA I had a Visa account. After I left to work for another financial institution I closed my account with them. I got called almost daily from their...

Pros: 5.9% APR, free shipping from LLBean,
Cons: I haven't found any

I've had my LLBean Visa for several years, but I rarely used it until a few months ago. I am a frequent shopper at LLBean--both the mail order catalogue and the retail store in Freeport, Maine. The thing that initially attracted me to this card was...

Pros: Easy to get, limit quickly goes up
Cons: High interest rate, bad customer service, unwilling to work with their customers

As a college student, walking through campus I was bombarded by credit card solicitors trying to drum up some young business. One of those little stands offered a Snickers bar for applying. Well, I was really hungry, on my way to a long, boring...

Pros: great service (I cannot emphasize it enough), website with account info, 24-7 assistance
Cons: high interest rates

I first heard about the MBNA Credit Card 4 years ago because they were signing people up at a booth on campus at USC (University of Southern California), so I signed up for my first credit card. That was one of the best decisions I made, because I...

Pros: Good teaser offers.
Cons: Poor treatment of existing customers

I initially signed up for an MBNA card through the local Bar association, and of course they offered a low teaser rate. And they offer a high credit limit. They also ratchet up your credit limit quickly, and as long as you pay on time, you will soon have...

Pros: Credit limit climbs quickly
Cons: Watch your interest percentage rate closely

I received my first MBNA Planetary Society credit card near the end of 1991 with the typical first time credit limit of $2,500. I managed to increase my credit limit to around $10,000 by 1995 and in 1996 decided to change to the MBNA Gold Planetary...

Pros: keeps track of spending habits
Cons: telemarketing

We have an MBNA card because we thought it would cool to have a credit card with our college logo on it. We don't use the card very often; it's our emergency card.

Every year, when the statement with the annual fee comes around, we debate...

Pros: Hey, it is a credit card!
Cons: Hey, it is a...credit card.

Credit cards are always iffy.

It depends on how you keep track of your own expenses and you can read all about that in the epinions columns on credit card debt.

Now, in college I was overwhelmed by the amount of "good credit" I...

Pros: Easy credit, Large Credit Line
Cons: College Student Predator, High Interest, Rigid Policies

I was approved for my first MBNA card way back in '93. I was inexperienced with my finances and just "wanted a card". Of course, MBNA was more than happy to supply this poor, very low income college student with an ample credit line and an...

Pros: Easily Accessible Account Information, Pleasant Cust. Service
Cons: High APR @ 19%

As a College Student I exhausted the category of credit cards, at one time I was up to seven, this I NEVER would recommend doing! I was not fond of many of the cards for various reasons; besides the highway robbery they all call APR. I am amazed they...

Pros: Get a Free T-Shirt!
Cons: Economic Slavery for College Students!!!

Texas A&M was bustling with activity. Class had just gotten out. I was an 18 year old freshman on my way home. Lured by the promise of a free t-shirt, I paused at an MBNA table staked out right along my path. They just asked me to fill out an...

Pros: great service and cute cards
Cons: never the lowest rate

MBNA is my favorite credit card company for their service and convenient payment options. I started out with a Purina card because it allowed you to put your pet's photo on the card. I kept that cute card for a couple of years and then decided that I...

Pros: Low rates if you carry high balances
Cons: Raises rates of their best, most responsible customers with no warning

I don't think I've ever been as insulted and furious as I am now with any merchant ... MBNA America just decided (without giving a reason) to raise my rate from 12.99% to 19.98%!

You might be thinking many questions now -- what kind of credit...

Pros: Decent interest rates, High limits, Basic platinum benefits, Good online access
Cons: Horrible customer service, have unduly imposed finance charges, will raise interest rates without notice

First off I just wanted to typify the type of Credit Card User I am. I never carry balances, I average around $1500 in charges each cycle, and I mainly use my credit card to track my spending habits. Being a college student, I don't really have the...

Pros: customer service
Cons: non-promotional APR's are on the average to high side

I've had an MBNA card for about 3 years and an MBNA Platinum Plus card for a little over a year now. My experiences to date with this company has been nothing but positive. Their biggest strength is customer care. When the strip demagnetizes,...

Pros: None to their billing system
Cons: Enormous hidden charges

I have a credit card through MBNA. I question their system on their billing procedures. You have to watch your billing statement closely for additional so called late charges! My statement says due date is the 17th of each month, twice I have received a...

Pros: Pretty card
Cons: Everything else: service, fees, interest rate...

I got snookered twice.

I don't know how this happens to me. I guess I'm too trusting. Being a die-hard NY Rangers fan, I picked up the MBNA NHL card. I suppose it's because I like the abuse of being a Rangers fan in Philly Flyer country. But I...

Pros: good APR and credit limit for those with little established credit
Cons: you will receive calls from tele-marketers after getting this card

My first credit card was my MBNA card. I got the application for their visa card for college students, which they call "Freedom Visa", at my college bookstore. I wanted a credit card in order to establish credit. After being denied for a few...

Pros: good online service
Cons: they will rip you off every chance they get!

I selected this company because as a incoming cadet to the Air Force Academy, I was required to.

MBNA is a great company to be a member of, but the second you have a problem, they will charge you through the nose and they will take forever....

Pros: More Credit when you need it!
Cons: They'll raise your interest rate for no good reason at all!

I've had a MBNA Notaries of America Card for several years now. I always made all my payment on time (never late once!), and for larger than the minimum I might add! I was given a sizable credit limit and balance transferred a large amount to them at a...

Pros: easily obtain, easy to check, quick
Cons: the card could be a little bit more colorful

Ever since I started college, credit card agencies have been mailing me their letters trying to convince me to use their credit card. Since I have never obtain or even use a credit card before, this was a big step for me.

I receive cards from...

Pros: usually you can get a decent credit limit and customer service is decent too
Cons: high interest that goes even higher when you transfer your balance to another card

Filling out the application for the MBNA Visa card was about the worst thing I have ever done. Silly me!

I wanted a free t-shirt at football game so I filled out the application. Big mistake. Not only is the interest rate outrageous but they...

Pros: Customer service is bar none, problem resolution, compassion for problem, flexible with rules
Cons: High fixed APR after good introductory rates expire

I have had many credit cards from different companies, and MBNA is the only one I still constantly use. MBNA was definitely not the first credit card company that made their offer to me; I got a letter from them only after I had established my credit,...

Pros: At this time I can't think of a pro
Cons: Unless you are 40 years old with 10 years of credit and make at least $50000/yr, you do not stand a chance with MBNA.

Two years ago I purchased my Gateway computer by opening an MBNA, America Bank account. I've always been a good customer. I make my payments on time and I never go over my limit. After paying on an account for two years that has a 23% interest rate I...

Pros: You can get a card with your school logo on it.
Cons: Just another miserable company looking to make money fast

I've had cards with at least 7 banks in the past year, and so I've rated each of these against each other based on their introductory rate, standard rate, fees, and how customer oriented the bank is. I've been paying off a big chunk of debt that my wife...

Pros: Excellent Customer Service, Increasing Credit Lines, Online Access
Cons: N/A

Well I would like to begin this by stating that I am a college student so I am bombarded with "special offers" from credit card companies seeking to take advantage of young people. I have had every card offered imaginable from $500 credit...

Pros: Very tricky billing system!!
Cons: Almost everything from the late fees to the ever rising interest rate

Both my son and my husband waged war with this credit company!

They, too, found that it didn't matter how long ahead of time they mailed out the payment, somehow it was always labeled as "late" and they found those obnoxious $29.00...

Pros: Complain loud enough, and maybe they'll be nice
Cons: Only nice to customers who complain

I had an MBNA card for a long time. It was one of the first I received when I first became eligible for a card (this was before they were issuing them to anyone not attached to an umbilical cord). And then I hung on to the card. You see, I thought...

Pros: None
Cons: Horrible customer service, disgustingly bad overall

January 1999 I secured a loan with MBNA America for the purchase of a Gateway computer. Instead of the low interest rate that was quoted on Gateway's site, I got my loan at 26.9%. Well, I figured, that's the way the ball bounces, my credit wasn't that...

Pros: NONE
Cons: Poor Service-Doesn't Honor Fixed Rates!

I signed up for MBNA in 1994. I had always made my payment on time. I was given a FIXED rate of 14.9%. I thought they were the greatest company in the world when one day a few years later I looked at my statement and to my horror I was paying 19.9%! Of...

Pros: online bill pay, secure online credit card feature (ShopSafe), no annual fee
Cons: Any MBNA credit cards with cash back?

I have had an Earthlink Visa (MBNA) since Feb '99. At that time Earthlink had a 1% cash back promotion. Prior to that I was using my REI Mastercard, which also gave me 1% cash back. Unfortunately, the 1% cash back from REI was only available 6 months...

Pros: Easy to get credit you can't afford
Cons: Misleading business practices

Look at all the great things they offer you-high limits, protection, etc. But look at what they offer that they don't tell you about-high interest rate, high over credit limit fees, and high late payment fees.
Let's admit it. Once in a while...

Pros: good service
Cons: high rates

I have two MBNA cards and have been pleased with the service thus far. I have had some trouble receiving my bills on time, however, that has been mainly due to much address changing in the recent two years.

When I have received a bill late,...

Pros: Web accessible, customer service
Cons: None

This is a great company. I can't imagine what better service could entail after having dealt with them short of them paying my bills for me.

Their web access is GREAT! I buy online almost once a week in some respect and you can generate...

Pros: Excellent credit line and accepted everywhere.
Cons: none

I have an MBNA NASCAR Visa, which is Platinum (how exciting!). Supposedly, it being Platinum is supposed to have advantages, but I don't know what those are. I guess that the customer service and the yearly percent are better. Anyway, my Jeff Gordon...

Pros: MBNA gave me a generous credit line at a good fixed rate.
Cons: MBNA raised my "fixed" rate to 24%

Some people may have good experience with MBNA. Certainly they gave me an initial good rate and a generous credit line. However, the "fixed" rate I was promised crept up. I didn't realize it until I was over the limit and I was charged a whopping 24%...

Pros: cool school ties
Cons: terrible rate

This card has no annual fee, but has a terrible 15.99% interest rate when prime is currently 4.75%. My other cards are at 5.24% and 7.75%. The only reason I got this card is because it has a picture of my college campus and identifies me as an alumni,...

Pros: Good *introductory* rate on balance transfers
Cons: Manipulative sales calls, manipulative business practices -

I got an MNBA Preferred MasterCard card to do a balance transfer on a high-interest overdraft balance I had on my bank account. Things were great for several months until they jacked up the interest to almost 18% APR without any notice, which is not...

Pros: Easy to apply and quick issue of credit cards.
Cons: No interest rate cap.

I had a couple of MBNA cards in the past and learned a valuable lesson that is not specific to just MBNA. Have you ever wondered why there are so many Wilmington Delaware credit card companies? For that matter there are a lot of companies that are ...

Pros: Great customer service, lower interest rates, helps benefit the University of Hawaii
Cons: well I guess even lower rates would be nice!!!!

I was at a University of Hawaii football game back in November of 1998 when I saw a booth to sign up for a MBNA card to support the University . I was a bit weary at first. I already had a few other credit cards and really didn't need one more. But as...

Pros: offers credit lines account info available online
Cons: customer service interest

MBNA is my newest credit account. I was extended credit when I went to the gateway store online and purchase a laptop. I had no issue for the first few months. I knew that I didn't have the money and I would pay it off in such and such months (which I ...

Pros: Free card. But then again, a gazillion others these days are free.
Cons: Chintzy rewards, terrible customer service. Practices that border on fraud.

I have had a Stanford MBNA card for many years and the customer service on this card is the worst I've ever experienced. Examples: - I was given erroneous information over the phone on the expiration date for my miles earned, and then the company ...

Pros: Online application, Intro package includes balance transfers, 800 number answered quickly and efficiently
Cons: 3 week wait for an answer

I like to save money.

I selected MBNA America Card because I have about $8,300 in revolving debt and MBNA was offering a 5.9% rate for five months on Balance Transfers. The debt was currently at 5.9% at Discover, an intro rate that expires...

Pros: Reasonable Rates
Cons: Terrible Service, Bureaucracy

I started using an MBNA Mastercard in 1998 because, at the time, they were working with my bank. The rates were good, there were no annual fees and the other fees were reasonable. The customer service agents were usually rather helpful on the phone...

Pros: Great Customer Service
Cons: No Grace Period on Platinum Plus card.

I recently went online shopping for a great 'rewards' credit card; something that would give me free frequent flyer miles or some form of rebate. Eventually I came across the MBNA website [which was quite nice]
and saw the neat features for the MBNA...

Pros: For me, none--too many other cards available with better terms and service.
Cons: Customer (dis)service, mediocre interest rate, poor online payment options

The short version-- Their customer service is the worst I've ever encountered. The "personal banking assistant" from customer service actually said that "This is a business and we're not here to make customer's happy." She was most displeased when I ...

Pros: low promotional rates
Cons: pay off that balance as soon as you can!

I have had an MBNA card off and on for about 4 years. I usually use the card to transfer a high balance to a lower rate (5.9% or some other promotional offer) Then, when the promotional rate is over, I transfer it to another card offering a new low...

Pros: Sends credit card quick
Cons: customer service, interest rates, false credit reporting

I had an MBNA line of credit when I purchased a Gateway laptop in January of 2000. I am very sorry I ever agreed to opening an account with them. Their interest rates when I last dealt with this creditor (in early 2002) was extremely high for a prime ...

Pros: Customer service, cash advance by phone.
Cons: Higher rates than others.

I worked part time for MBNA as a telemarketer for a month. (Yeah, I was one of those.) It conflicted with my day job so I gave it up. Being one of the "people", MBNA doesn't have employees, I got some insight from the inside. While every card...

Pros: friendly service, organized
Cons: unremarkable int. rate and rewards

My MBNA Mastercard is, without a doubt, my primary card of choice. MBNA does not charge an annual fee and they issue additional cards at no cost. The interest rate on this card is an unimpressive 12.5% (if they would get rid of these darn 1/2%, it...

Pros: No annual fee, customer service that will answer questions
Cons: High interest rates

I have had an MBNA MasterCard for the last two years. I chose to get this as my first (and currently, only) credit card mainly because it had no annual fee and it was likely that I would be approved for it because it was sent to university students, of...

Pros: great customer service, awesome online access
Cons: they don't automatically lower a fixed rate card when the APR drops

On my 18th birthday I requested several Platinum cards online (seriously, I tried). Unfortunately, I had no credit history. I received rejection letters from all the companies.

A few weeks later I called MBNA and talked with an extremely...

Pros: low rates,good customer service
Cons: could give more rewards

I have had many credit cards over the years and i have found the MBNA card to fit my situation the best.
MBNA started me out with a $10,000.00 credit limit and a low A.P.R.
Credit cards are not the best way to consolidate bills. MBNA gave me...

Pros: none that I can think of
Cons: poor customer service high fees

When my husband and I bought out Gateway computer 1 year ago we financed it through MBNA. The payment due date was very close to the date which we get paid, and since I won't send out checks until our paycheck is in the bank, the payments were barely...

Pros: Easy to obtain and establish credit
Cons: Lots of attempts to sell protection plans, etc

Anyone looking to establish credit should take a look at MBNA. As a college student, I'd never had a credit card in my own name before. I decided that a credit card would be a good thing to have, for convenience and for emergencies. So, I applied for...

Pros: Attractive-looking card with a high credit limit, good customer service
Cons: Statements aren't the clearest to read

I obtained an MBNA card on the campus of my school a little over two years ago. It was my very first credit card and still remains a favorite of mine.

For one, my card has an attractive picture of my campus on it, which gives me some sense of...

Pros: very appealing offer: $5500 at 1.99% for unlimited time
Cons: mistakes on almost all statements
one customer service agent was rude: you pay or lose it!

In October 2008 I received a very interesting offer from MBNA: 1.99% on transfers for as long as I want! I needed money so I decided to use one of the 3 checks provided and used the total amount available: $5500. By the way my credit score (fico) ...

Pros: Great giveaway
Cons: Ordinary standard card

I was excited. I had my ball, my pen, and my $8 bargain night upper reserve ticket to the Orioles vs. Royals game at Camden Yards on 8/16/01. My goals were to watch the O's win and maybe, just maybe get a Cal Ripken autograph.

Well, I failed...

Pros: low 10.99% rate, good service, lower balance transfer rates
Cons: none

I have had MBNA since 1996. I am very pleased about the card. Since I first applied, I was given a 14.99% rate which was not that bad. I also received the Platinum Plus Mastercard account. The credit limit was to high 15,700 so I decreased it to...

Pros: Great customer service and bonus deals
Cons: High APR

This company is a great company to establish a credit rating with. Mostly because they go through universities and colleges to recruit. Of course they trust students because mom and dad will back them up, but I don't have that option and they still gave...

Pros: Great customer service, flexible, helpful
Cons: it's a credit card...credit cards are yucky

I have never worked for a credit card company....I have never been employed by a credit agency....but I sure have owned some credit cards...and I have bad credit to show for it.

My one point in writing this review of MBNA is that I have been...

Pros: Flexible
Cons: No rewards

I have had this card for over 2 years now and usually almost always pay my entire balance in full every month. They are very good at providing you customer service and seem very willing to adhere to your wishes. There have been two occasions where I...

Pros: Cards with personalized logos
Cons: Everything else

I was a MBNA cardholder when I was in college because they offered me a card with my school's logo on it. MBNA has an excellent marketing scheme because you can get a card with almost any organization logo on it. They also had a decent introductory...

Pros: Teaser rates, Customer service
Cons: Teaser rates, Customer service

I just wanted to share my experiences with this VERY popular credit card company/bank. I have two accounts with this institution, one 10 years old the other 7 years (one account is serviced by MBNA, originated by another institution). I was lured by this...

Pros: high credit limits
Cons: most everything

MBNA created a huge disgust for credit card companies with me. Not only did they decide to start charging an annual fee without notifying me, they also decided to charge me thirty dollars in interest fees for a 25 cent balance.

I called for...

Pros: offers credit lines account info available online
Cons: customer service interest

MBNA is my newest credit account. I was extended credit when I went to the gateway store online and purchase a laptop. I had no issue for the first few months. I knew that I didn't have the money and I would pay it off in such and such months (which I...

Pros: __
Cons: prepare to get raked over the coals

I was very happy when I got my MBNA card. But soon, the novelty wore off. This was my first credit card, so I decided from the beggining that it would have to be managed carefully. Introductory rates on basic MBNA cards are terrible... and they...

Pros: Great service, easy to communicate
Cons: Maybe higher interest rates

I am a cardholder of MBNA credit cards for almost 8 years. I had several credit cards with different benefits and features. MBNA is one of the best credit card companies in the USA. Customer service is outstanding and always resolve any possible...

Pros: Decent service, number of cards to choose from
Cons: Dispute process

I've owned MBNA cards for a couple years. Over this time, I've found the customer service to be above average. However, MBNA suffers in one area: disputes.

It took over a year before I had to dispute a charge. Let's go over the reasons you...

Pros: Easy approval, high limits, pretty good rates. Excellent customer service.
Cons: Fees Fees Fees.

The thing that really struck me at first was MBNA's excellent customer service. The representatives I spoke with were lively, informative, and seemed eager to help me.
The rep I talked to worked out my information, and approved me right over the...

Pros: Great customer service, good interest rate, no annual fee
Cons: keep raising your credit limit

I have had my MBNA account for 6 years now and have never had a problem with them. I asked them for a lower interest rate card or I was going to transfer all my business to another card company and they gave me a lower interest rate card,and it is still...

Pros: Can't really think of any
Cons: Hidden fees, pushy sales reps, high interest rates

GETTING RID OF THE ACCOUNT: IMPOSSIBLE
I have had an MBNA card since college (the other reviewers are right, they are very easy to get and they prey on college students). When I finally, about a year ago, paid off all of my debt to MBNA, I decided...

Pros: You can do everything online
Cons: none

I received this card (MBNA preferred account) two months ago, and I am pleased to admit that this is THE online card. I also have the nextcard visa, but the website doesn't come close to MBNA's. You can check your account status, and it is...

Pros: Cool cards available
Cons: bad web site, poor Quicken integration, sent wrong replacement card

I selected my MBNA Visa card about 5 years ago, because they offered an Alumni Association card that was affiliated with my school. This decision was primarily motivated by the fact that the card looked pretty cool and there was no annual fee. At the...

Pros: Great Service
Cons: None!

The first credit card I ever "officially" used was MBNA, and as soon as I feel comfortable having a credit card again, it'll be the only one I decide to have. Why? Because they have treated me the best. Period.

Need a...

Pros: decent customer service - if you get someone with experience
Cons: high rates and sneaky rate hikes - you really have to watch them constantly

This used to be a decent company. In recent years (since about 1996), I've noticed a marked decline in customer service. They have also begun what I consider questionable practices, including playing the rate hike game.

I looked at my bill...

Pros: easy to get
Cons: not honestly forward about fees

I first got an mbna card when I financed a gateway computer. The first part I didn't like was that i was automatically enrolled in their credit protection program, which I did not want to be. I always received checks from them in the mail for putting...

Pros: Good customer service, large credit line
Cons: None

I'm sure my opinion is biased by my calm, uneventful credit history:
I'm the kind of credit-card holder that makes two or three small purchases a month and keeps no running balance, so I can't tell you much about MBNA's collections department or...

Pros: nice web site
Cons: poor customer service, unstable rates

I've been an MBNA customer for 3 years and 2 accounts with them. In the past 3 months, both accounts have seen an interest rate increase from of nearly 6 percent. Like most other people who've commented on their MBNA experience, I too have a significant...

Pros: Initial offer seems to be nice, but it is trap
Cons: Trap, trap, trap , trap, be careful

htt p://www.epinions.com/content_4 315717764 I absolutely second the review by Bryan Carey. I had bad similar experience with MBNA master card, I have been a loyal member for 7-8 years and and sucked in first with nice ...

Pros: offers free shipping on LL Bean
Cons: not a deal if you don't shop LL Bean

I get a lot of credit card offers and most of them are rather misleading. But I recently got an offer for an MBNA LL Bean credit card that I thought was a pretty good deal.

The card is a Platinum Plus Visa which offers an introductory rate of...

Pros: none at all
Cons: Deceptive, deceitful, unethical

I cannot do business with a dishonest company. MBNA will NEVER get my business again.
I received a call from an MBNA representative about 2 years ago. During the phone call, the rep. was explaining an offer through MBNA for a $5,000 personal...

Pros: none
Cons: Unresponsive to consumer needs

About a year and half ago, I lost my job and discovered how difficult that it can be to pull yourself up from the "credit card debt pit." I was faced with late payment fees ($29.00) over limit charges ($30.00) and high interest (24.98%). charges...

Pros: High Credit Lines
Cons: Usurious Interest Rates 20+% Unsolicited Cards

I received an unsolicited credit card in the mail from what I thought was my local bank. Only the lo ...

Pros: marketing
Cons: misleading, almost dishonest

I love the convenience of credit cards, however I pay off my balence in full every month.

However, once I missed the due date on my MBNA card because they failed to print the due date on the statement.

I paid the full balance the...

Pros: Card was kind of pretty.
Cons: AWFUL customer service, really awful web payments.

We had this platinum VISA card with our local bank (Standard Federal - a very good bank) and somewhere along the line it changed to MBNA. Bad for us - good for them? Back in August of 2004 we had a dispute on a charge - not only did it take forever for ...

Pros: Quality service, goes the distance for customers
Cons: Higher rates, no online access for LOCs

I started my relationship with MBNA America in April of 1999 with a Gold Option line of credit issued in conjunction with Gateway Computers. They, after a little bit of prodding (I've found you have to do that with them, because even slightly...

Pros: Overall, outstanding card
Cons: Interest rate could be a point or two lower

I have had five credit cards, and of all of them, the MBNA card is my favorite card. They offer outstanding credit increases, flexible payment schedules, and they don't try to charge me to death with fees. They don't harass me with phone calls trying...

Pros: Increasing credit line, no annual fee, low introductory interest rate, 30-day grace period, picture of Don Mattingly on the card
Cons: Unfortunately, the bill still comes once a month!

After cancelling my horrible Providian Visa, I signed up for a Don Mattingly MBNA Visa at Yankee Stadium. I mainly wanted the cool promotional Yankee hat for signing up but after being approved I realized that this card is a blessing compared to the...

Pros: high credit line; good quality
Cons: cowardly practices

My only complaint (a big one though) is their cowardly practices.
I got this card with 5.9% introductory and 9.9% fixed.
I thought that "fixed" was indeed FIXED... However in MBNA terminology "fixed" means "after a...

Pros: The most excellent customer service in the business No annual fee
Cons: No rewards program Not such competitive interest rates

In search for a credit card with a high limit I choose MBNA. They immediately accepted my application and doubled the limit any of my other credit cards were offering me. To add to this, they keep increasing my limit without me having to ask! As good as...

Pros: Easy to get
Cons: Everything else.

I have had this one card for over ten years. When I first got it, Ameritech owned it. Two years ago MBNA purchased it.

I have always made my payments on time and usually more than the minimum. Unfortunatley I always have a high balance on...

Pros: decently easy to get, decent rate, easy cash advance
Cons: not the quoted rate

well... it wasn't... that was reduced amount my card had... I got an introductory interest rate for transfers, cash advances and credit checks of 3.99%, my real rate is 15.99?... not the worst I have seen. Nice thing is I get a lot of extra checks, and...

Pros: Credit is KING!
Cons: Checks are almost obsolete!

I have been a MBNA cardholder since 1981. For me, credit cards are an easy way to carry money INSTEAD of cash. It seems that the only place that will not take credit cards is the 'dollar' store and Aldi's grocery store. (Aldi's now takes debit cards...

Pros: Very good customer service
Cons: None

I have noticed in a lot of reviews of MBNA that people complain about how they receive late charges despite mailing in their payments early etc. I consider early to be 7-10 days prior to the due date, some people consider it to be 3-4 days. Since 9/11 I...

Pros: Efficient, high tech, ShopSafe service, responsive
Cons: None

I received a flier with the MBNA statement. It indicated MBNA was not responsible for the transaction with the vendor.

The product was not up to expectations and I wrote to MBNA just to let them know what had happened, indicating I was...

Pros: Easy to get credit?
Cons: Not flexible and abusive if don't pay

My husband and I got an MBNA credit line to buy our computer. When I lost my job and we couldn't make payments, MBNA representatives called day and night asking when we would be making our payment. Even when I set up our unsecured credit with a credit...

Pros: AWESOME CUSTOMER SERVICE-CUTE CARDS-0% INTRODUCTORY APR-EVERYTHING
Cons: THERE AREN'T MORE BANKS LIKE MBNA

I have several credit cards ie..First USA, Discover, Capital One and so on. My MBNA card is the one with the lowest APR(fixed at 9% for over two years)the best customer service, and a reward of a higher credit line when I keep my payment history in tact....

Pros: Fraud protection
Cons: Everything else

You want an inside view on MBNA, of course you do. Well where do I start? I worked for MBNA for three months and ill tell you there is nothing amazing about them. Now granted I was only a telemarketer but we now more than they think.

...

Pros: Accurate statements, excellent service
Cons: Web site needs work

I got a Platinum Visa (how did *that* happen?) from MBNA 5 years ago. The few times I've had to call customer service, they've always been so helpful. Their service is so much better than American Express or any other credit card issuer, and there's no...

Pros: Good customer service
Cons: High interest rate, of course

I've had my MBNA credit card for some time, and I must say that I am pleased for the most part. Any time I have had any questions or needed anything, I call them and the customer service representatives have always been nice and helpful. They usually...

Pros: Interesting card styles. Low APR convenience checks.
Cons: Increasing APR on purchases.

My MBNA MasterCard is just like the other cards I own. I signed up for a 9.9% fixed rate which was excellent. This rate lasted for about 2 years. Then back in October/November or 2002 the card became as bad as all of the rest. They have changed my...

Pros: Good interest rate at beginning
Cons: High interest rate for an uncalled for reason

I received a pre-approved credit card application, filled it out and sent it back in. I was approved for $3000. A very good interest rate. I used it and made payments, more than the minimum, on time.

They raised my credit limited to $5000....

Pros: Nothing
Cons: Deceptive in their practices

My husband and I got this card through his Alumni Association. It was the worst thing we ever did. We pay off our bills each month, so interest rates aren't an issue. However, we found that they were "claiming" we were late with payments,...

Pros: no anual feel, pictures on front, decent APR
Cons: telemarketers will call

As a relative of a former emploee of MBNA i know exactly how ood the cards are. True they are very reliable because MBNA is currently the largest credit card issuer. They gain many of their clients through telemarketing, I know because this is what my...

Pros: None
Cons: Rude, unhelpful customer service. Reduces credit limit if you transfer balance to another card.

I had a credit card from Air Academy Credit Union for probably 20 years, when it was taken over by MBNA. Payments on time, carried a fairly large balance, had a credit limit of $17,600.

When I found a better rate, I did a balance transfer to another card. With my next MBNA statement, I was informed my credit limit had been reduced to $1,000.

Positive it must be a mistake, I called "customer service". They explained my limit was reduced because I was only making the minimum payments. When I explained to THEM that this only meant they stood to make more money from me, the rather snotty guy on the other end wanted to know where I came up with the money to pay off my balance. I said I did a balance transfer. His response was, "Oh, well, that's the way we do things."

The only reason the account is still open is that it is the oldest account I have.

So much for rewarding a longtime customer who shops around for the best rate.

Pros: There are simply no "pros" here.
Cons: The most infuriating aspect is the inability to be in the least bit flexible.

I've been using the same credit-union credit card for the past 19 years and the customer service was great. Recently the Master Card of the Franklin Mint FCU was sold to MBNA. I've had 3 contacts with them so far (two week period). They've been rude and have tried to sell me their "financial services" despite my protests that I simply wanted to change my PIN! They actually tried to charge me $15 to do this, but I demurred. I'd like to cancel and switch, but they own an awful lot of cards.