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Credit check for replacement card from MBNA?

purplelasvegas
purplelasvegas Posts: 5 Forumite
in Credit cards
My husband rang to get a replacement card from MBNA, they said one would be sent out in 7 - 10 days. All good you'd think, until today he got a call from them saying that they need to perform a credit check in order to send out the replacement card. He asked them why, and they just said, standard procedure, because we do.... He said no, and told them to.... Can anyone shed light on this, and whether this is normal as this is the first time we have come across this. :confused:
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Comments

  • skyrider007
    skyrider007 Posts: 1,108 Forumite
    That's certainly not normal at all. Credit check should only be done when opening a new account or reviewing credit limit. Tell your hubby to log-on to MBNA.co.uk and request a replacement card there.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Condition 13C (1st bullet) says they can carry out a credit search at any time for the ongoing management of your account.

    Making a request online will not necessarily avoid a search being made, since you agreed they could when you signed the credit agreement.

    MBNA do make 'ad-hoc' searches of your credit file throughout your relationship with them...I've had several (for no 'apparent' reason).

    It's probably these 'ad-hoc' searches that have resulted in many cardholders seeing their APR's climb above 30%.
  • clio
    clio Posts: 3,345 Forumite
    Y/B
    Whats an AD-Hoc search, i asked you before but don,t think i got your attention coz i didnt see a reply...
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Impromptu, unprovoked, random, for no apparent reason. ie, you expect a search for an application or a credit limit increase request...but not one for a new card or some other event. For example, MBNA searched me 'mid-term' on a 6 month 0% follow on offer...and I've no idea why, other than to satisfy themselves "he's only paying a fiver a month; is he over-committed elsewhere?"

    'Ad hoc' might not be the best choice of Latin, but I knew what I meant. ;)
  • clio
    clio Posts: 3,345 Forumite
    lol Y/B got you now, I can see now why certain people's apr has been made higher because they sneek a
    search in, see there finances and like you say, think that the person is in their eyes " over-committed "
    thanks for the reply mr ad hoc man lol....
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    clio wrote: »
    lol Y/B got you now, I can see now why certain people's apr has been made higher because they sneek a
    search in, see there finances and like you say, think that the person is in their eyes " over-committed "
    thanks for the reply mr ad hoc man lol....
    Alreet Mr C, never guess what!
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • clio
    clio Posts: 3,345 Forumite
    MR P Oi Oi matey , whats gannin on matey ???
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    clio wrote: »
    MR P Oi Oi matey , whats gannin on matey ???
    Nowt much, out planned for the b/hol weekend?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • clio
    clio Posts: 3,345 Forumite
    Aye bike hunting for a nearly new soopa bike something that'll do 200 mph lol.. what did you mean never guess what i thought you,d got a new low rate card or that we [ NUFC ] have signed Ronaldiniho hehehehe :)
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    clio wrote: »
    Aye bike hunting for a nearly new soopa bike something that'll do 200 mph lol.. what did you mean never guess what i thought you,d got a new low rate card or that we [ NUFC ] have signed Ronaldiniho hehehehe :)
    Oh no, nee card but got a £2000 loan from Littlewoods underwritten by Bank of Scotland, courier is delivering it tomorrow, gonna pay off our lasses credit card and overdraft, took it over 12 month's, I was very surprised when the underwriter said yes, must be human after all.
    :D
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
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