MBNA Co-branded > Reviews

Advantages: Decent Apr Discretion to waive late payment fees High credit limits
Disadvantages: Large late payment fees No telephone payment service

On the whole MBNA provide a fairly decent VISA card service. The apr is competitive, there are no annual fees and have given me the largest credit limit of any of my other cards. However I do have an issue with their late payment charges. If you make your payment even one day late then an £18 penalty is imposed automatically. I understand this may be common practice in the industry but its a bit steep. If you do get hit unexpectedly with this ... Read review

Advantages: None
Disadvantages: Watch out for the interest rates

I've had my MBNA card now for some 4 years, always been a good boy, paid on time, never exceeded my limit and more often than not, settled my account in full each month. Looking around at the cheapest way of borrowing, I decided to use my card to make a quite expensive purchase - after all, I would have the flexibility of making lump sum payments, as well as the minimum payment - and as I said, the rate was favourable compared to other loan packages ... Read review

Advantages: accepted anywhere
Disadvantages: none so far

...most months, as a result MBNA have raised my limit pretty often - again, this is nice. Then, after having lots of offeres for low rates etc from other companies I phoned MBNA and asked if, as a good customer, they would offer me anything to stay with them. On the spot, over the phone, they agreed to extend the low rate for another six months. I have had to contact MBNA a few times, once over a late payment charge (which, admittedly was my fault) ... Read review

Advantages: Help pay your internet charges
Disadvantages: High interest if not paid in full

This card is ideal for anyone who uses A.O.L. as their internet service provider. On approval you get a free gift(mine was an Olympus APS camera)and 2500 reward points which can then be exchanged for one month's subscription to A.O.L. (currently worth £15.99).For every £1 spent at the usual visa merchants you get 1 point.When paying your subscription through the card you get double points.As soon as you accumulate another 2500 points they can be swapped ... Read review

Advantages: none
Disadvantages: everything

The MBNA co-branded card looked a good option when compared to other cards available at the time I was applying. However I now wish I had choosen the competition. Since having the MBNA card I have had nothing but irritation from the bank. On such time was when on holiday in the Carribean. I needed to use the card as I had lost some money but the limit had been reached. So I called the bank several times to ask them to increase the limit on my account. ... Read review

Advantages: Cashback, Credit Limit
Disadvantages: Interest Rate

Whilst in Thomas Cook booking a holiday last year i was handed a leaflet for the Thomas Cook Credit Card. I applied and took out this card for several reasons. Firstly, having existing credit card balances, the offer of 0% interest for 9 months on balance transfers sounded good to me. I believe this offer still stands for new applications although there is now a 2% handling fee up to a maximum of £50 on transfers. Another plus was the offer ... Read review

Advantages: Efficient
Disadvantages: High interest rate

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 ... Read review

Advantages: Good Interest Rates, good promo rate
Disadvantages: Late Payment charge is a bit lousy

The MBNA card I think is a competitive card and I think that it is hard to beat - well that is my opinion. I have had another card before I got my MBNA one and the MBNA proved to be lot better in categories of better promotional rate, longer promotional period and competitive rate after promotional period. The promotional period I got on this card was 6 months at a rate of 0% for both purchases and transfers, so for 6 months I could put onto this ... Read review

Advantages: Cash back as in money off holidays.
Disadvantages: Non, yet.

...leflet about their company branded MBNA credit cards. I was using another Visa card at the time, which was a no frills type of thing. Use it to pay, pay off your balance, start again. I read the leaflet and was quite suprised to find some of the benefits offered by using the card. 1.5% "cashback" in the form of TC pounds redeemable aginst holidays booked with TC and an addtional 0.5%(up tp £1000 spent) to 1% (over £1000 spent) extra cashback if you ... Read review

Advantages: charity donation as you spend
Disadvantages: interest rate ?

I have had my MBNA Gold World Wildlife card for about 4 years. There is no annual charge. The service from MBNA has been very good, and its great knowing that each time I use my card, a small donation is made to WWF too. Many retailers have commented on the attractiveness of the card - it has a beautiful tiger picture. As I always pay my balance in full each month, I cannot comment on MBNA's interest rate. The freephone service is excellent - I can ... Read review

Advantages: Credit Card Cheque Book
Disadvantages: too many to list

Getting an MBNA credit card was the worst investment descion I have ever made. I initally applied for their card because they offered an intial low rate of 9% for 6 months and becasue they offered a credit card cheque book, meaning that you could give anyone a cheque who cannot process credit card transactions. My made problem with MBNA is their customer service - or lack thereof. Their customer service team is aggresive, rude and unhelpful. If ... Read review

Advantages: Low introductory rate for 6 months
Disadvantages: Long application time

...grabbed by a couple of MBNA reps who persuaded us to give them our details to apply for a credit card in exchange for some free gifts. (a cool bag/satchel and a football which proved fun on holiday) When we returned home, I was amazed to find a MBNA credit card waiting for me with a £2500 credit limit as I am currently on sick benefit. Even stranger was that my boyfriend who has a good secure well paid job received a string of letters asking for ... Read review