I've had a MBNA branded credit card for at least two years. It arrived promptly after I applied for it, has always been billed accurately and on time, and they've given me a generous credit limit (£7k).
They do have a very poor interest rate. There are some many cards out there which can be readily obtained with rates less than 3%, which makes their 4.9% looks very unattractive.
A great bug bear, now that I've got used to being able to check balances on line for all the other accounts and cards, is the lack of online statement and payment facilities. They need to address this fast.
How helpful would this review be to a person making a buying decision? Rating guidelines