MBNA is the worst experience ever

Butch_Dingle

EveryWhere wrote: »

A shame they don't have a fee free card for overseas travel. So I only use them for UK purchases these days.

Mine certainly is (both for overseas cash withdrawls & purchases), and with a lower APR of 7.4%, its arguably better than using my Halifax Clarity abroad. It was originally a MBNA Everyday Amex card but since MBNA have scrapped Amex branded cards, they sent me a new Visa branded Everyday card instead - whilst keeping the same perks. Though not sure if their Everyday Visa card is available to new applicants.

Fireflyaway

Just avoid credit cards. I've chopped mine up. I experienced quite a bit of poor customer service and then as a disorganised person a fair few late payment charges ( that hits obviously totally my fault).
I don't see the benefit of credit cards, even if managed well. Just use a debit card. Save up some money for emergencies then you won't have to deal with these companies.

BabyStepper

The online credit card application process is far too easy, imo. Yes I have used it, but every time it amazes me that they do not ask for copies of my payslips, bank account statements or proof of outgoings. I could tell them anything and they would not check (apart from who my employer is, apparently). This makes it very easy to commit fraud and, I would also argue, invites fraud.

OP, the application process is ridiculously informal given the amounts of credit that can be acquired, but this does not mean you should treat it as though it is not serious. The application is still a legal document and you have lied for financial gain. You don't seem to understand that...how come? Seems like common sense to me.

[Deleted User]

Fireflyaway wrote: »

I don't see the benefit of credit cards, even if managed well.

Cashback
Rewards
Section 75 protection
Building a credit history
Better and cheaper access to credit
Interest on your own money for longer
Emergency back up
Spreading the cost over a longer period at a low rate

Samsung_Note2

Deleted_User wrote: »

Cashback
Rewards
Section 75 protection
Building a credit history
Better and cheaper access to credit
Interest on your own money for longer
Emergency back up
Spreading the cost over a longer period at a low rate

Yeah yeah but apart from all them benefits....:rotfl:

onlyfoolsandparking

Deleted_User wrote: »

Cashback
Rewards
Section 75 protection
Building a credit history
Better and cheaper access to credit
Interest on your own money for longer
Emergency back up
Spreading the cost over a longer period at a low rate

Yeah but apart from all that what have the Romans ever done for us:D

chattychappy

.... cheap foreign exchange with Clarity/Zero for rendering unto Caesar

Ergates

Fireflyaway wrote: »

...and then as a disorganised person a fair few late payment charges ( that hits obviously totally my fault)

If only there was some kind of mechanism that would automatically pay either the full amount, or at least the minimum amount of your credit card bill each month so you didn't get late payment fees.

Someone should definitely invent that.

Samsung_Note2

Ergates wrote: »

If only there was some kind of mechanism that would automatically pay either the full amount, or at least the minimum amount of your credit card bill each month so you didn't get late payment fees.

Someone should definitely invent that.

They did its called a House wife...:D

I can remember Dad coming home on a Friday Night with his pay packet a Brown envelope with cash and handing it over to mum...never to see it again,mind you all bills were paid on time and she never seemed to be short of a tenner...poor old !!!!!! :rotfl:

fifeken

Butch_Dingle wrote: »

Mine certainly is (both for overseas cash withdrawls & purchases), and with a lower APR of 7.4%, its arguably better than using my Halifax Clarity abroad. It was originally a MBNA Everyday Amex card but since MBNA have scrapped Amex branded cards, they sent me a new Visa branded Everyday card instead - whilst keeping the same perks. Though not sure if their Everyday Visa card is available to new applicants.

That sounds similar to the one I referred to earlier, as I also received it when they closed my AMEX (plus M/C?) account. Perks didn't stay the same for me though as I lost my airline mileage rewards and I never had the 0% previously.