MBNA Platinum Plus (Mastercard and Visa)

Pros: High Credit Limit
Cons: VERY POOR CUSTOMER SERVICE. Service doesn't exist.

I have had MBNA for years (10+).
They are good only if you agree to their high rates.
Call customer service a lot of times to lower my rates. Late once over these years and you explain to customer service how your internet banking had problems....no respect from the people once they see you have a late payment. No more again. Goodbye MBNA!!!

Pros: Good online acct management, good cust service, secure online transactions with ShopSafe, competitive rates
Cons: None worth noting

I've been with MBNA for years. I love their Netaccess web system for account management... you can easily schedule monthly payments online, view transactions, change profile information (address/phone), etc. I have never had difficulty with customer service... from calling to request a specific type of letter of reference for an immigration application to calling to get a more competitive interest rate (which they agreed to)... and at the same time I called Chase and they said the didn't currently have an "offer" to lower my rate (needless to say, I don't do business with them anymore). Best of all they have ShopSafe for generating a secure one-time use account number for online transactions.

Pros: very generously with credit, understanding customer service
Cons: none

I've been a MBNA customer since 1996, and I can’t find anything bad to say about them, they have increased my credit very generously, and customer service has been very understanding, when I goofed once and forgot a payment, they have removed my late fee and restored my original interest rate.

Pros: NONE,
Cons: Can jack up the rates,

I was a customer of MBNA from pat 7 years and was never defaulted. My APR for purchases was set to 18.99% which is high.

In last june, i received an offer for balance transfer at an APR of 1%. So i moved the balances from other cards to this one. I received the letter from MBNA last week saying that my default rate is going to increase to 27%. This is going to take effect as soon as my promotional APR expires.

I closed the account would never do business with them again. Dont fall in the trap of low interest rates.

I strongly deny the unethical nature of MBNA.

Pros: None- bank takes over old accounts - positive from the banks standpoint.
Cons: MBNA thinks they are loan sharks. 47.01% on your credit card. They must be crazy.

Imagine having a credit card since 1995 and in 2006 or 2007 it is sold to MBNA. You only use this card for overdraft and get a bill that states that you have a 47.01% interest rate for this billing period? Well this happened to me this morning. I usually pay my bills on line and don't always check to see what the interest rate is since I pay it pretty fast. My credit is very good- Wow was this a shock!!
I was shocked to see what MBNA is pulling. Be aware that if they take over your account that you change immediately.
Isn't 47.01 like a loan shark percentage? Is this legal?? This isn't the last time they will hear from me-

Pros: None.
Cons: Fraudulent advertising; incompetent or unresponsive customer service reps.

Received offer to transfer balance at 2.9 APR for life of balance. Accepted offer. Have made all payments on time. Have used card for no other transactions. Am being billed 9.9 APR despite repeated calls to "Customer Satisfaction" reps: have received multiple promises rate will be corrected but no action and no explanation why it was charged in the first place. Will consider joining class action suit for fraud.

Pros: If you want to get shafted please apply at MBNA. Nothing good here.
Cons: They are sneaky and will cheat you for your last penny.

$39.00 late fees, $39.00 over limit fees and get this - 28% interest. I hadn't noticed the interest rate increase - they snuck the notice in amongst all the advertising they put in with the bill.

I called them to have it lowered so next month it will be 21%. Thanks for nothing.

I've refinanced and will be paying the entire balance this month and closing the account. Do not fall for their special offers - they will cheat you. Do not be late or go over the limit - they will shaft you.

Pros: 5% cash back on gas! My wife and I saved $358 in a year!!
Cons: No more walking to pay inside = less exercise.

I do a lot of traveling and like most people am paying for this at the pump. Since receiving this card a year ago my wife an I have realized a combined savings of $358. The only caveat is that it only counts "Pay at the Pump" transactions. If you are used to paying inside you will have to make a very slight change in your habits. Since we cannot pump our own gas in Oregon all I have to do is pull up to the pump and hand the attendant my card.

Pros: No annual fee and an OK airline mileage program.
Cons: Big time rip-off on foreign charges.

Prior to May 2005 there weren't any charges on foreign transactions. Without notice a 3% fee was instituted on foreign charges - an unpleasant surprise for those just returning from out of country visits. Are there no longer any credit cards that do not charge this rip-off called a foreign transaction fee?

Pros: No annual fee
Cons: toooooooo many!

For no fault of mine I had to pay late payments twice. The online billing system doesnot allow you to choose the date with in next two days. Sucks!! At one time it took 4 days for it......This is the most sh*** card ever.