Credit Card Problem Please Advise asap

Murbs

Sncjw Are you sure they didn’t say you couldn’t have the card that you applied for here is some cards you can have and you accepted it.

I was given a 7200£ credit allowance but on the wrong circumstances
I required and applied for purchases reasons as wanted to book a holiday however was given BT & MTransfers instead.

Ben8282

Most people would say a £7200 credit limit and not 7200£ credit allowance. Strange terminology and strange way of using the £ symbol.
I notice that you said the original card had a money transfer facility. Do you realise that you could have taken a money transfer to pay for the holiday.
Equally, if you have another credit card, you could have used that card to pay for the holiday and then transferred the cost of the holiday to the MBNA card. I know you would have had to pay a fee but you would still have been able to take the holiday.
Why are you so anxious to reapply to MBNA? They are not the sole provider of purchase credit cards.

Terry_Towelling

If what #Everywhere says is true that the 0% interest-on-purchases card has a 28-month offer period and you are certain that the card you applied for carried a 29-month offer period, then it really does sound like you may have accidentally applied for the wrong card.

However, if the card you got allowed Money Transfers, you could still have used it by doing a MT for £1400 to your current account and paying from there. You'd probably have incurred a small MT fee but you'd have got your 29 months interest-free period.

Your son will get over it and there will be other holidays - and you have been saved from spending a sizeable sum which you have admitted you don't actually have and were never originally planning on spending. Whether thinking about it that way makes you feel any better I don't know.

Ben8282

Everywhere has obviously taken this information from a comparison site.
The problem is, as MBNA hide details of their cards behind the eligibility checker, there is no way to find out from their own website what cards they actually offer without completing the eligibility checker, which I have no intention of doing.
I wish that credit card providers would not do this. It's a bit like a shop not letting you look in the window until you can prove you can afford what is on display!

Terry_Towelling

Ben8282 wrote: »

Everywhere has obviously taken this information from a comparison site.
The problem is, as MBNA hide details of their cards behind the eligibility checker, there is no way to find out from their own website what cards they actually offer without completing the eligibility checker, which I have no intention of doing.

That's exactly the reason I had to go with #Everywhere's words because I too found I couldn't get at the detail through MBNA's own website.

Ben8282

Murbs wrote: »

I called them to explain but was refused point blank my request for purchases only.

Assuming what Everywhere discovered is correct, the 28 month card offers 28 months on transfers and purchases. Taking what the OP wrote above at face value, it looks as if he was complaining at the existence of the transfer offers on the card in addition to the purchases offer as he wanted the offer on purchases only and complained at the point blank refusal of MBNA to remove the transfer offers.

Murbs wrote: »

I only wanted purchases from MBNA .

The OP is quite insistent that he only wanted purchases and he applied for a card which offered 29 months on purchases. Now obviously we have no way of knowing if such a card exists, but most lenders tend to offer some mixture of offers on most cards, albeit for varying periods according to the type of card.. I think a card with 29 months on purchases and no offers on anything else is quite unlikely.

Terry_Towelling

Ben8282 wrote: »

Assuming what Everywhere discovered is correct, the 28 month card offers 28 months on transfers and purchases. Taking what the OP wrote above at face value, it looks as if he was complaining at the existence of the transfer offers on the card in addition to the purchases offer as he wanted the offer on purchases only and complained at the point blank refusal of MBNA to remove the transfer offers.

Possibly, but OP has confused things a little because the OP specifically states he was a applying for a card with a 29-month interest-free period. It's only in a subsequent post that he's started to mention 28 months.

Given all this confusion and the fact that OP has no card on the table to do anything with, they either have to give up and be thankful they've saved £1400 or (on the basis that the MBNA card has temporarily skewed his credit file) wait until the file reflects the closed account and hope there is enough time to reapply (anywhere) for a 0% on purchases card and still get the holiday.

EveryWhere

Murbs wrote: »

Sncjw Are you sure they didn’t say you couldn’t have the card that you applied for here is some cards you can have and you accepted it.

I was given a 7200£ credit allowance but on the wrong circumstances
I required and applied for purchases reasons as wanted to book a holiday however was given BT & MTransfers instead.

The problem here is that we don't really know the sequence of events that led to you getting the card that you did and no one wants to put their details in their CleverCheck application in order to check what you would see.

We are just going on the information that you have provided.

As far as I know, there is also no purely Purchase card from MBNA. It would be a balance transfer, money transfer and purchase card. (Money transfer is only for 12 months @ 4%)
But instead you claim you were given just the balance and money transfer.

Did they actually state they you were going to be given the balance transfer, money transfer and 0% purchases card or was that just a misunderstanding on your part?

My reference to the perambulator is that you acted rashly in cancelling the card before asking here for advice.

Money transfer was certainly not ideal at just 12 months, but clearly a lot better than nothing.

You didn't say with whom you applied afterwards. If you give info piecemeal, it will only take more time.

Candyapple

I really don't see what the palava is here. So you applied for the wrong card and it's now closed. Move on! MBNA aren't the only card provider out there!

https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/

You can get 28 months at 0% for purchases with Barclaycard, 26 months with Tesco etc.

If you want to use the eligibility checker:
https://www.moneysavingexpert.com/eligibility/credit-cards/

We're only at the beginning of June, even if you applied for a card today it would probably arrive on Saturday, more than enough time to book the holiday. You told your son and he was devastated? Sheesh some people just love drama!

EveryWhere

Candyapple wrote: »

I really don't see what the palava is here. So you applied for the wrong card and it's now closed. Move on! MBNA aren't the only card provider out there!

https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/

You can get 28 months at 0% for purchases with Barclaycard, 26 months with Tesco etc.

If you want to use the eligibility checker:
https://www.moneysavingexpert.com/eligibility/credit-cards/

We're only at the beginning of June, even if you applied for a card today it would probably arrive on Saturday, more than enough time to book the holiday. You told your son and he was devastated? Sheesh some people just love drama!

You certainly jumped in with both feet!

The OP stated that he has already applied to another provider and has been declined.
A closed account can take up to three months to show up. Other lenders may be concerned about the rash of applications after he has already been accepted.

It might be that they won't see the MBNA card at this stage.
So the the OP wants to know the best way to proceed.
You should at least read what has gone before, before launching an attack.