MBNA has got to be one of the most annoying companies out there. They seem to want to target students in particular, sending out leaflet after leaflet. They are basically a credit card company who encourage you to take out one of their cards but the problem is they offer you stupidly high credit limits, encouraging you to spend loads of money. When you can't pay off you credit card you start to accumulate loads of interest making your debt situation even worse. How they got hold of my name I shall never know but at the moment I get 2-3 bits of junk mail a month. I have tried to get them to stop by returning the letters but it doesn't appear to have worked. If you do get sent anything from them I suggest you either return it or rip it up and throw it away. Don't get sucked into spnding loads of money thinking you can pay it off....it never works like that.