MBNA Cash Fee?

jazzy
jazzy Posts: 1,091 Forumite
Part of the Furniture 500 Posts Name Dropper
in Credit cards
I carried out one transaction on last month's MBNA credit card which was a PayPal transaction and I have been charged an additional cash fee which was for a few pounds. This has never happened before. Is this a new MBNA fee? 

Comments

  • Nasqueron
    Nasqueron Posts: 10,551 Forumite
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
    You would be better to ask MBNA why they charged this - was the PayPal classed as a cash payment?

    Were you paying a company via PayPal?

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • jazzy
    jazzy Posts: 1,091 Forumite
    Part of the Furniture 500 Posts Name Dropper
    It was a "friend and family" paypal transaction.
  • DullGreyGuy
    DullGreyGuy Posts: 17,648 Forumite
    10,000 Posts Second Anniversary Name Dropper
    jazzy said:
    It was a "friend and family" paypal transaction.
    It's been noted previously that some cards treat Friends and Family as a cash advance as it shouldn't be used for a commercial transaction and thus is cash. It does vary by card issuer though, as does the "cash like" transaction in general. 

    If its a one off then a complaint MAY get a guesture of goodwill but dont expect them to do it again in the future if you repeat it.
  • Nasqueron
    Nasqueron Posts: 10,551 Forumite
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
    edited 3 October 2024 at 12:20PM
    jazzy said:
    It was a "friend and family" paypal transaction.
    Basically you're paying cash from your credit card via PayPal so it's being treated as such by the provider. Use a debit card for future or even just bank transfer

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • Superhoopza
    Superhoopza Posts: 604 Forumite
    Seventh Anniversary 500 Posts Name Dropper Combo Breaker
    First transaction of this nature using an MBNA card is treated as a cash advance, future payments aren't (in my experience).
  • born_again
    born_again Posts: 19,777 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    Friends & family is a cash transaction.
    It is not for making purchases.
    Life in the slow lane
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.2K Banking & Borrowing
  • 252.8K Reduce Debt & Boost Income
  • 453.2K Spending & Discounts
  • 243.2K Work, Benefits & Business
  • 597.6K Mortgages, Homes & Bills
  • 176.5K Life & Family
  • 256.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture