MBNA - 2nd account - anyone successfully applied?

niceshoes_2

Has anyone been succesful in being accepted for a 2nd MBNA run credit card, whilst still having a card with them already?

money_saver_4

My husband applied for a virgin card while already having MBNA card. Virgin card was issued, but the balance on the MBNA was reduced by the credit limit of the Virgin card. This was not a problem, as the interest free period on the MBNA had already finished.

Walletwatch

The way I see it, if you have to successfully apply for a second card in the same name, they have to interpret the two applicants as two separate people (except if they reduce the limit on the first card), which tantamounts to falsification of information.

So, my take on this is that one shouldn't try applying for multiple MBNA cards - I'd wait for the first MBNA card's 0% period to get over, and then cancel that card, and apply for a new one, in a serial fashion. The only thing I'd hope for is that MBNA don't get a near-monopoly of all credit card issuers, else it'd be very painful having only one card at a time!!!

creditcardking_2

niceshoes wrote:

Has anyone been succesful in being accepted for a 2nd MBNA run credit card, whilst still having a card with them already?

I have 3 MBNA credit cards and also one with Alliance and Leicester which is also with MBNA, I had no problems getting them, however i recently applied for an Abbey CC and was refused this, i think they are also MBNA.

niceshoes_2

My virgin 0% period runs out next month and I like the idea of only having to pay £5.00 minimum payment per month. This gives me freedom to pay off extra if I have it, and not being forced to pay x amount minimum payment per month. Thats why I was thinking of applying for a 2nd MBNA run card, when the 0% period expires with Virgin - to give a bit more flexibility in terms of how much I have to pay back each month.

Thanks for your replies - I'll give it a go

charlieboycat

niceshoes wrote:

Has anyone been succesful in being accepted for a 2nd MBNA run credit card, whilst still having a card with them already?

Yes - no problem. Had an Alliance & Leicester (ie. MBNA) card for several years. Applied only a few days apart for 0% balance transfer cards with both Abbey (MBNA) and Virgin (MBNA). Got both - and overall doubled my total MBNA credit limit. Promptly transferred original credit limit from A&L card to Abbey card - and then stoozed Abbey and Virgin for 9 months.

dc

I have had three for a while, MBNA, since they started, Abbey since before (as they took it over) and an A&L card for a year. They did get a little shirty with credit limits as the first two came to £20k, and I wanted £5k BT, so they insisted on a limit shuffle. Dont know where I stand as it seems they also took into account another family member's £9k limit as well.

Havent bothered to check as I dont want to rock the boat yet.

HTHs dc

omega27

Have had a Thomas Cook card for a couple of years. Got a call last summer asking if I wanted another card for spending (had BT'd onto the existing card). Got £3k limit, used it for a short while until I discovered AMEX & closed it. Stay in Holiday Inns & constantly get Priority Club VISA e-mails, so applied. Got given the same £3k limit @ 0% plus a free 10k points.