MBNA International Bank

Another one of my earlier efforts that has had a complete overhaul Did you know that MBNA Corporation is the world’s largest independent credit card lender, with managed loans of US $95.4 billion. The arm of the company that operates in the UK has recently changed its name to MBNA Europe Bank, but the levels of customer service and freephone telephone numbers remain the same. MBNA works on the philosophy of getting the right customers and keeping them, and base it on their provision of superior customer service. Frequently if you ring their credit card arm to close an account or have recently ... more

First things first- if you’re thinking of getting a credit card, think again. Have you really weighed up the pros and cons, or do you see it as an easy way to some quick cash? That’s the trap I fell into, about 11 years ago, and I’m still paying for it. When I took out my first credit card I thought I was giving myself a cash injection of £1000 to go travelling, which I’d pay off when I came home. Sure. Right. Durrrrr! But that’s another op- on the foolishness of youth – watch this space! Anyway, after accruing a rather alarming debt on a Barclaycard at the age of 20 I took out an MBNA card as ... more

I have an MBNA credit card, indeed I have had this for some four years. It is one of those charity ones, so no points for me, but money to Charity when I spend. The interest rate is fairly competitive and the service is good, indeed no mistakes at all. There is no annual fee, which is a huge bonus. I only have one gripe, cards are delivered via courier in the week, and no they cannot send them to work, this has meant a trip to the post office to collect the card, which is a bit of a hassle. But other than that, no frills but no spills either. ... more

These must be some of the most noxious, self-satisfied, patronising and downright nasty people on the planet! Guess this is not going to be a good review then? It's easy to see how these people make their money - go 2p over your credit limit (on a transaction *they* approved)? That'll be an £18 surcharge. Payment a day or two late? (even though you posted it a fortnight ago)? That'll be another £18 charge. Want a copy of a statement (which strangely arrive late, if at all) - well they'll have some more money for that too. And if you try to speak to them, prepare to be stonewalled. They must ... more