After having this credit card over 10 years and using it regularly unfortunately due to unforeseen circumstances of losing my job and being on jobseekers i was making minimum payments.i phoned mbna and asked them if they could help in anyway there reply was no and said i just have to make the minimum payment otherwise it will affect my credit rating which i said this was fine.After our conversation she said as you have phoned up asking for help we are going to block your card but you can reapply as soon as you get a job.so after a month i got a job 5 months passed and paid off more than the minimum payment and a fair amount i reapplyed they declined my application. I just feel by asking for a little help when you are going through a tough time doesnt pay off.very disappointed.

Nothing but problems since day one. From doubling balance transfers that put me over my limit when it clearly states you cant go over your limit doing transfers. Asking for the money that put me over the limit. Getting the run around to get the money back onto the card asking me to do a balance transfer from the other credit card. Security team cancelling my card when out with clients because of cash withdrawls. Went to a casino once and used it for a $100 cash advance they then lowered my limit two days after and left me with no money on the card. I have been contacted by them weekly all say they are willing to help only to be stabbed in the back shortly after. I have had the card for a little over a month. I will be paying this card off very soon and closing the account. Do your self a favor and stay clear of this company.

Any time I call MBNA MasterCard Customer Service, I am on hold for at least 15 minutes. I've been cut off so many times....very frustrating. Just want to talk to someone about a $1600 charge I did not authorize. Ever since the company changed over, the Customer Service is almost non-exsistant. AARRRRGGGGHHHHH!!!!

Trying to contact this company is next to impossible. They have changed their system and looks like they are in a total mess

offer great deals but they EST interest is lower then they say, then they charge you when you go over you limit then they take all your deals of you

Patronising staff. I'm also totally shocked that I can't choose how much I pay off each month by direct debit. MBNA will only let me pay the minimum amount each month!! Loan sharks!!

I was offered an increase on my credit limit by MBNA and then told I didn't qualify despite missing no payments or exceeding my credit limit. Idiots !

do not take their card they are 0 at costumer service.

Stay clear off this company, they are only interested in charges after charges. They are a prime example off what is wrong with the banking system!!p

Can't think of anything bad enough to say about this company. I'd rather borrow from a loanshark... correction I did borrow from a loanshark! I've paid my card off in full and would rather go barefoot and hungry before I would use them again.

Made the mistake of setting up a standing order to clear the balance owed on an 'interest free' MBNA card. 'Paperless' account, so no paper statements. A few months later, I went online to check my account, and was shocked to see interest being charged plus several late payment charges of £12. Phoned Customer Services, and was informed that the standing order payments weren't made 'after the dates of the statements and before the payment due dates', hence the late payment fees. Also, as I'd defaulted on the agreement interest was now chargeable. Even though regular monthly payments had been made, they were on an incorrect day of the month. (Should have read the small print). Customer Services were awful and had absolutely no sympathy, the conversation with them actually left me in tears.

In the somewhat materialistic society we live in today many of us are unfortunately relying on some form of credit to get us through the busy times. Which is fine, provided one lives within one's means. At the same time life does throw obstacles and hurdles our way and we are subject to relying on credit for sometime to get by. Having said this, as a good person who unfortunately was faced with a very serious medical challenge I did have to rely on credit a little more then preferred. Unfortunately for me, my creditor was MBNA. They have made my life literally a living hell, with false advertising their product, hidden fees, action taken against a loyal long term customer for one late payment and the list goes on and on. Despite having balance coverage insurance, which honestly folks don't bother getting it and if you have it cancel it because when you need it they decline you and when you don't they charge you every month! MBNA is attached with the federal government here in Canada, and without your knowledge they can send you profile on wards to government entities and haunt you through these avenues as well. So far with my experience and a large network of close friends, family and relatives - of which many have seen what MBNA has put me through - they are all cancelling their cards and word travels fast as they are encouraging their own networks to do the same. Social media efforts are being made to make you all aware of this uniquely dangerous organization. My advice is simple, if you have MBNA cancel it, if you don't have it and are on the market for a new credit card then don't apply for MBNA! They will give it to you easier then many esteemed organizations but honestly it is not worth the lifelong scar they put on you! I hope you all will take this sound advice into consideration when evaluating the best credit product for you and your family. Cheers and Best Wishes for a safe financial future.

I've been a customer for many years, and have multiple cards with different companies. Typically, I pay off my cards in full each month. I had a basic query, and just had the most awful, frustrating customer service imaginable. It is such a sharp contrast to American Express. I'm going to end my account. I just hate the idea of them profiting from me. This is my first ever customer review - only mbna managed to get me so rattled to do it...