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.
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