MBNA Credit Card

I wish I had read these reviews before I was also tricked by them. Yes, they advertise 18 months interest free but in the small print, this deal is only valid on purchases made in the first 60 days. Am now trying desperately to pay off huge interest from them. Surely there should be a law against tricking people like this. Stay well clear!

They should be shut down, got a credit card from them under impression of 22 months free interest, it turned out their definition of free interest is very different to the other banks! you get 58 days interest free on your purchases any time after that they will charge you whopping 25%! disgusting, and obviously they have it in their fine prints for you to know! called them as soon as I saw the interest on my bill, they said it was a mistake and they will rectify it and I will be refunded for all the interest, HOWEVER after a week I called them again and the second guy told me the first dude was wrong and the charges are correct!!! I am waiting for a copy of my contract now. I have been fooled twice!

Customer service is non existing! Fraud dept closes at 10 pm, lol. Yet they advertise 24 hour 7 day a week service for fraud etc issues! I spend hours on hold anytime I need customer service. I have never dealt with such lack of help with any other credit card or bank in all my experience!

If I could, I'd give -5 stars. One time i asked for an extension to my 0% interest and they close one of my accounts and lowered my credit limit SIGNIFICANTLY on another. Im told by MBNA they sent a letter.

I didn't get the letter, and I still haven't been told why? I asked for a 30 day interest free extension as I was struggling to pay it all back on the date my 0% balance transfer expired. I needed 2 weeks actually, but the man I spoke to, for god knows how long, and after MANY times of explaining my situation, he finally understood. He assured me that my account wouldn't close or change. Then I see one of my credit cards have closed and another one lowered. I've never been late with any payments. I've always paid on time. I've had these accounts for a while. One time I asked for an extension, and my loyalties are paid with closed account and one account limit lowered!!!! My loyalty clearly meant nothing and being a customer for so long. Terrible service and an even worse way of retaining customers. Also, hire people who understand you when you speak!

They wrecked my credit over a supposed $55 yearly card renewal charge on a card I never even knew about , I have

never even used the card or even activated it , I never knew about all this until I checked my credit score and found all these hits to my credit rating month after month for a $55 charge that they made , when I called them to ask about the account no apologies or explanation at all , they said it was all My fault and I shoulda known …..

Dreadful Bank, dreadful Customer Service. I had a new credit card which due to problems activating it and for first use of card i have cut up card and binned account now closed before it was ever used. phone customer services on Saturday and told someone will get back to me in the next 24 hours. i am still waiting.the Worst Bank i have ever dealt with.

I had been an excellent customer for many years. At the beginning of the year I began to struggle with the cost of living I contacted them and they advised me to seek a DMP. I did, MBNA agreed to the plan and then advised me to close my account. After which they slapped a 6 year Default on my credit record and now I can’t even buy a pair of Knickers on Klarna!

I also had accounts with 2 other credit cards both of which did not do this and only registered ‘special arrangement’ which didn’t significantly affect my credit score.

I tried to reason with them that their actions were not fully explained to me and that it wasn’t fair, reasonable or proportionate taking into account my good account history and no missed payments.

They were not having n the slightest interested.

Avoid at all costs!

I have had MBNA for literally years and have only just managed to pay my balance off after paying the company hundreds if not thousands of pounds of interest. I cancelled my direct debit and MBNA started panicking immediately by sending a letter even though I have nil balance. I will never have a credit card again in my life due to my experience with them. This, like other faceless credit card companies, suck money out of you and have extortionate interest rates. They offer no loyalty reductions and are just happy to take take take. If you are thinking of having credit, try a reputable bank that offers reasonable interest rates and ensure you are in a position to comfortably pay.

I applied two times for mbna card and declined instead of having good credit history and never ever late or missed any payment. just waste my score.

my wife has highly credit score and applied for ture line "declined".

dont go near to them otherwise you will loose score.

They charge you high interest. They don't respect their promotional verbal agreement. TD Bank owns them. The worst bank ever in Canada. MBNA the owner are TD Bank. Don't do any business with both of them.