No nonsense credit card, no problems, good balance transfer offers

I applied for this card recently as there was a 0% promotion on purchases for 23 months. It was an extremely easy process via the MBNA website.

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.

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... 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!). Read more Read less

Very helpful company with polite and helpful staff. Easy to make contact with a human when you need advice beyond the all. Clear, easy to... Very helpful company with polite and helpful staff. Easy to make contact with a human when you need advice beyond the all. Clear, easy to use all. Useful notifications ensured that I stayed up to date. Read more Read less

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... 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. Read more Read less

MBNA charges you interest rate even when you pay by direct debit your balance in full.

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... 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. Read more Read less

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... 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. Read more Read less