MBNA

Pros: You can get a card with your school logo on it.
Cons: Just another miserable company looking to make money fast

I've had cards with at least 7 banks in the past year, and so I've rated each of these against each other based on their introductory rate, standard rate, fees, and how customer oriented the bank is. I've been paying off a big chunk of debt that my wife...

Pros: Excellent Customer Service, Increasing Credit Lines, Online Access
Cons: N/A

Well I would like to begin this by stating that I am a college student so I am bombarded with "special offers" from credit card companies seeking to take advantage of young people. I have had every card offered imaginable from $500 credit...

Pros: Very tricky billing system!!
Cons: Almost everything from the late fees to the ever rising interest rate

Both my son and my husband waged war with this credit company!

They, too, found that it didn't matter how long ahead of time they mailed out the payment, somehow it was always labeled as "late" and they found those obnoxious $29.00...

Pros: Complain loud enough, and maybe they'll be nice
Cons: Only nice to customers who complain

I had an MBNA card for a long time. It was one of the first I received when I first became eligible for a card (this was before they were issuing them to anyone not attached to an umbilical cord). And then I hung on to the card. You see, I thought...

Pros: None
Cons: Horrible customer service, disgustingly bad overall

January 1999 I secured a loan with MBNA America for the purchase of a Gateway computer. Instead of the low interest rate that was quoted on Gateway's site, I got my loan at 26.9%. Well, I figured, that's the way the ball bounces, my credit wasn't that...

Pros: NONE
Cons: Poor Service-Doesn't Honor Fixed Rates!

I signed up for MBNA in 1994. I had always made my payment on time. I was given a FIXED rate of 14.9%. I thought they were the greatest company in the world when one day a few years later I looked at my statement and to my horror I was paying 19.9%! Of...

Pros: online bill pay, secure online credit card feature (ShopSafe), no annual fee
Cons: Any MBNA credit cards with cash back?

I have had an Earthlink Visa (MBNA) since Feb '99. At that time Earthlink had a 1% cash back promotion. Prior to that I was using my REI Mastercard, which also gave me 1% cash back. Unfortunately, the 1% cash back from REI was only available 6 months...

Pros: Easy to get credit you can't afford
Cons: Misleading business practices

Look at all the great things they offer you-high limits, protection, etc. But look at what they offer that they don't tell you about-high interest rate, high over credit limit fees, and high late payment fees.
Let's admit it. Once in a while...

Pros: good service
Cons: high rates

I have two MBNA cards and have been pleased with the service thus far. I have had some trouble receiving my bills on time, however, that has been mainly due to much address changing in the recent two years.

When I have received a bill late,...

Pros: Web accessible, customer service
Cons: None

This is a great company. I can't imagine what better service could entail after having dealt with them short of them paying my bills for me.

Their web access is GREAT! I buy online almost once a week in some respect and you can generate...

Pros: Excellent credit line and accepted everywhere.
Cons: none

I have an MBNA NASCAR Visa, which is Platinum (how exciting!). Supposedly, it being Platinum is supposed to have advantages, but I don't know what those are. I guess that the customer service and the yearly percent are better. Anyway, my Jeff Gordon...

Pros: MBNA gave me a generous credit line at a good fixed rate.
Cons: MBNA raised my "fixed" rate to 24%

Some people may have good experience with MBNA. Certainly they gave me an initial good rate and a generous credit line. However, the "fixed" rate I was promised crept up. I didn't realize it until I was over the limit and I was charged a whopping 24%...

Pros: cool school ties
Cons: terrible rate

This card has no annual fee, but has a terrible 15.99% interest rate when prime is currently 4.75%. My other cards are at 5.24% and 7.75%. The only reason I got this card is because it has a picture of my college campus and identifies me as an alumni,...

Pros: Good *introductory* rate on balance transfers
Cons: Manipulative sales calls, manipulative business practices -

I got an MNBA Preferred MasterCard card to do a balance transfer on a high-interest overdraft balance I had on my bank account. Things were great for several months until they jacked up the interest to almost 18% APR without any notice, which is not...

Pros: Easy to apply and quick issue of credit cards.
Cons: No interest rate cap.

I had a couple of MBNA cards in the past and learned a valuable lesson that is not specific to just MBNA. Have you ever wondered why there are so many Wilmington Delaware credit card companies? For that matter there are a lot of companies that are ...