Not for people with high blood pressure (MBNA)

Member Name: merlina

Product:	MBNA
Date:	23/08/00 (294 review reads)
Rating:

Advantages: none once the introductory rate is over

Disadvantages: truly terrible service

If your blood pressure is OK when you start out with these people - it probably won't be by the time you've been with them a few months!
These must be some of the most noxious, self-satisfied, patronising and downright nasty bankers on the planet! Guess this is not going to be a good review then?
It's easy to see how these people make their money - go 2p over your credit limit (on a transaction *they* approved)? That'll be an £18 surcharge. Payment a day or two late? (even though you posted it a fortnight ago)? That'll be another £18 charge. Want a copy of a statement (which strangely arrive late, if at all) - well they'll have some more money for that too.
In fact that must be the most annoying thing. I've posted payments three or more weeks before they were due, but somehow they so often end up being late and incurring a charge. It's doubly weird when everything else I post on the same day manages to get where it's going within a normal time span.
And if you try to speak to them, prepare to be stonewalled. They must have special MBNA courses in that - how to be utterly and completely unhelpful - whatever common sense dictates.
I have dealt with many banks and these definitely win the award for worst-ever. The rate on their credit card isn't even good when the introductory period is over.
This is one I won't be staying with

Summary: