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MBNA: Credit Card reviews

Name: Credit Card
Rating: 3.18 (188 reviews)

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2.76

Based on 188 reviews, last reviewed 14th Apr 2025

100% increase in 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

41%

12%

36%

Latest highest rating:

4

I just started this new adventure with MBNA with a l... I just started this new adventure with MBNA with a loan,all reviews tell me about the credit card but non in loans so until now to me looks good and v... Read more Reviewed on: 20th March 2025

Latest lowest rating:

1

Gave me a credit line of £4900, and then cancelled... Gave me a credit line of £4900, and then cancelled after an year citing that i haven't used the card. Rang them to explain that i was abroad, so coul... Read more Reviewed on: 14th April 2025

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About this product

MBNA (a Bank of American company) is a leading supplier of credit cards in the UK. With a range of credit cards to choose from (including balance transfer cards, reward cards and charity cards), reading MBNA Credit Card reviews can help you to find out what other consumers are saying about MBNA. You can write your own MBNA credit card review at Smart Money People by clicking the write review button.

MBNA Credit Card reviews (188)

Review of the MBNA, Credit Card:

Easy to pay

The MBNA website is easy to navigate. I was previously using it to make my monthly payments. However, by doing this, it takes longer for the payment to be credited. I have now set up a monthly direct debit plan and this works better for me as there is no chance of forgeting to pay on time. Reviewed on: 30th August 2016

Gave me a credit line of £4900, and then cancelled...

Gave me a credit line of £4900, and then cancelled after an year citing that i haven't used the card. Rang them to explain that i was abroad, so couldn't use the card . But they closed the account themselves, and the lady on call was really really rude. Reviewed on: 14th April 2025

I just started this new adventure with MBNA with a l...

I just started this new adventure with MBNA with a loan,all reviews tell me about the credit card but non in loans so until now to me looks good and very fast response,will see what happens on the next steps like first payment and all that stuff...I really hope everything goes smoothly like should be becauserightnow this help me out so much!!.....fingers crosses Reviewed on: 20th March 2025

Very Unprofessional

Even after closing the account and clearing all balance (received the closing account letter as well)these smart thieves send me interest amount separately to pay with subheading it has accumulation interest. Reviewed on: 5th March 2025

No nonsense credit card, no problems, good balance t...

No nonsense credit card, no problems, good balance transfer offers Reviewed on: 26th February 2025

MBNA very useful when I hit hard times.

I found MBNA very useful when I hit hard times. Their online service is very simple to navigate, which is not always the case with other banks. Reviewed on: 26th February 2025

Unreliable card for 2nd card holder

As a second card holder, my card is always being declined 'just in case of fraud'. I am appreciative of fraud prevention, but I cannot tell you how many times I've been left high and dry in a shop, and they will only deal with the primary cardholder to sort these matters. I haven't used my personal card for months now and just have my husband's card on my Apple Pay - but it leaves me without a physical card. Also, adding the card to Apple Pay, requires a phone call, rather than just confirmation within the app (which in today's day and age, with everyone being so busy, is a ball ache!). Reviewed on: 10th February 2025

Confusing & infuriating application process, nightmare.

Went through the application process for 0% balance transfer; total nightmare! Difficult to understand the questions regarding options concerning "minimum payment" versus "fixed" DD monthly payment which you select. No guidance. No explanation. I'm a bit of a numpty at this sort of thing and got incredibly confused. I just want a 0% interest CC where it's all worked out for me exactly how much I have to pay back per month to pay the amount back - plus the transfer fee - during the duration of the card. It shouldn't have been that hard for that information to be provided! And you can't ring MBNA to speak to a Person. Ooh no. That is not possible. Wish I'd never started this process. Reviewed on: 24th January 2025

MBNA charges you interest rate even when you pay by...

MBNA charges you interest rate even when you pay by direct debit your balance in full. Reviewed on: 21st December 2024

My Top 10 Ranked Clueless Online Banking Platforms

In my experience with this company, I can't remember anything positive. Customer support mishandled consumer issues, and there were constant reports of incorrect balances sent to credit reporting agencies, which can severely affect your credit score, particularly during a mortgage application. Moreover, getting anything resolved was nearly impossible, regardless of how many times I reached out to them. Ultimately, nothing was accomplished despite their promises. Big dissapoinment. Reviewed on: 16th December 2024

I had a horrible experience with MBNA that has left...

I had a horrible experience with MBNA that has left me both frustrated and shocked. They sent me a completely incorrect bill, charging me rates that were not even close to what was agreed. When I contacted them to get an explanation, they could not provide any justification or calculation for these outrageous charges. The worst part? The customer representative boldly stated, "We can charge whatever we want." This level of arrogance and lack of accountability is absolutely unacceptable for any company, let alone a financial institution. I spent over two hours on the phone trying to get this resolved, only to be met with vague answers, dismissive attitudes, and no resolution whatsoever. Their customer service is disgusting, and it feels like they deliberately make the process frustrating to wear you out. They have no complaint manager as well to manage things. All she said throughout the call was that "I am right" I strongly recommend avoiding MBNA at all costs. Their practices feel deceptive and borderline criminal. Save yourself the headache and look for a more trustworthy company. Reviewed on: 12th December 2024

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