MBNA Card

MBNA was the first credit card I held, and has remained steadfastly tucked in my wallet ever since. On their main silver accounts they had poor interest rates (around 17.9%APR) and no loyalty packages, but did offer interim incentive periods at very low interest rates for balance transfers. I was going to close both my accounts with them, when RBS refused me a special rate on a balance transfer, so I elected to contact MBNA who offered me 1.9% fixed on balance transfers and cash advances for 6 months and 14.9% thereafter. I discussed with them the possibility of upgrading to a Platinum card as I fulfilled the criteria, yet they said no. I challenged this ...

Maryland National Bank of America want your business! You have probably received mailings from them guaranteeing pre approval and a silver, gold or even platinum card, despite your meager earnings. This is not because they are really nice guys who just want to help you out, sorry. The MNBA card does carry a lower interest rate than many of the high street banks cards, but it is not the lowest. Do check the finance pages of the Sunday papers, (the big ones, not the ones with a nipple count) as they give the best rates available at any time. This card does not carry an annual fee and tempts new customers with ‘cheques’ that allow you to pay ...

MNBA repeatedly sends student mailshots through the post encouraging them to apply for one of their credit card accounts. Currently I am receiving one every 2 weeks and would have thought that they could utilise their time and effort in better ways. I mean even if i did apply they may not even accept my application, and if they did it would only be of the condition of a tiny credit limit. I just wish they would stop sending me the details on their cards. I mean as if they are going to give a student a platinum card - get real and stop sending me this junk! ...