MBNA Credit Cards

Money4me

Hi everybody

I just need to know whether I can apply for a MBNA credit if I have one already. I have the MBNA Mastercard which the 0% interest free period is going to run out in a few months. For example can I apply for their Play.com card while holding their mastercard? or would it be a a waste of a credit search. Also which SBT or BT cards are easiest to get that are not too strict and give a good limit.

Thanks in advance

Fruit_and_Nut_Case

Money4me wrote: »

Hi everybody

I just need to know whether I can apply for a MBNA credit if I have one already. I have the MBNA Mastercard which the 0% interest free period is going to run out in a few months. For example can I apply for their Play.com card while holding their mastercard? or would it be a a waste of a credit search. Also which SBT or BT cards are easiest to get that are not too strict and give a good limit.

Thanks in advance

Yes, you can have more than one MBNA card. But... you won't be able to do a straight balance transfer from one to another if that is what you're planning.

Curr946

Agreed, you are unable to BT from one MBNA branded card to another.

Money4me

Fruit_and_Nut_Case wrote: »

Yes, you can have more than one MBNA card. But... you won't be able to do a straight balance transfer from one to another if that is what you're planning.

Hi thanks for your reply, I just want it to clear the rest of my loan and to clear a different card. The MBNA card will be cleared before I make an application, should I settle the card as well or leave it open, trying to work out what would be better for my credit report and score.

Curr946

Well iirc you can only have one mbna direct card, but you can hold other mbnacards issued with Virgin for example. Closing the old one down will help with the wage to debt ratio but will take a month to 6 weeks to show as closed on the credit file

Money4me

Curr946 wrote: »

Well iirc you can only have one mbna direct card, but you can hold other mbnacards issued with Virgin for example. Closing the old one down will help with the wage to debt ratio but will take a month to 6 weeks to show as closed on the credit file

Okay I know the date when they update my file so will close current card before then. I understand I can hold other MBNA cards, as you said I currently have the MBNA Mastercard which I applied for on their site and would like to apply for a different card eg. play.com card issued by MBNA as they offer this card on their site or would I need to apply through play.com

Curr946

I think you would been to apply on play.com

YorkshireBoy

It seems you're mentioning the play.com as an example only, but then you mention it several times...as though it may be more than an example?

That's the worst 0% duration SBT card I'm aware of. You'll find up to 20 months is available with the right SBT card...

http://www.stoozing.com/sbt.php

Money4me

YorkshireBoy wrote: »

It seems you're mentioning the play.com as an example only, but then you mention it several times...as though it may be more than an example?

That's the worst 0% duration SBT card I'm aware of. You'll find up to 20 months is available with the right SBT card...

http://www.stoozing.com/sbt.php

The play.com card is just an example, I know there are much better cards out there thanks for the link

SCO

Curr946 wrote: »

Well iirc you can only have one mbna direct card

Thought you could have more than one.