Mbna Reviews 1,454

Objectively speaking, there interest rates have always been poor compared to my other credit cards. Never any offers. Always just the same high APR.

I found them very obtuse and arrogant from a customer service perspective, so I wouldn't recommend you get involved.

Date of experience: 19 May 2015

Noticed a weird interest charge on my credit card statement. Always pay a few days before deadline in FULL.

Tried calling them and after being hold for 10 minutes I'm cut off. Called again and after 36 minutes I decide I have better thing to do and I gave up. No real way to query on their 1990's style website.

Whenever I do get through, I'm always targeted for upselling of balance transfers. These guys don't really seem to like dealing with their customers...

Date of experience: 03 May 2015

Worst ever to get through to

Have been trying for over a month to get through to them and each time i get through i get cut off without warning
Trying to pay it off as dd has been cancelled due to balance transfer and they keep charging me late payment fees
Tried to online complaint and it hasnt even sent an acknowledgement to my email so I dont know if thats even gone through
I am fuming because its an old card and i have no choice but to speak to someone to pay cos i cant use an automated system to pay cos it wont recognise an old card number

Answer ur flipping phones!!! And stop charging ppl payment fees when ur not even doing ur jobs properly.

U should be closed down.
I will be passing my complaint to the financial ombudsman!

Date of experience: 27 April 2015

Please do not expect .efficient sevice......we were booking discounted international flights and due to lack of communication between MBNA departments and staff being poor at there job we were 3 days and 5 phonecalls before someone in the Liverpool call centre decided to do something correct....we were made to feel like criminals by untrained staff...and then to had insult to injury they had the brass balls to try to offer us other deals regarding the card......we had a £7000+ credit limit which is hardly negative.....
We changed to new provider today
Please shop around for a better credit institution........
Insistently the ticket prices rised by £510 by the time MBNA done there job..
Well done MBNA sterling customer service NOT!!!

Date of experience: 04 March 2015

the worst customer service ever seen in my live.

Date of experience: 06 February 2015

I opened a MNBA account a few months ago as I am a regularly American Airlines customer and wanted to boost my AA miles. I have been doing different retail purchases and I also bought an AA flight using the MNBA card. When you join, they tell you that you have 0% interest in AA flights purchases for one year and that you always pay the amount with the highest interest rate. Well, this is not at all true. I clear my full retail balance every month and I still pay interest for the AA flights which are supposed to be interest free. What a scam! I called them and they said that as I have done retail purchases, now I need to clear the full amount (including flight) if I don't want to pay interest. Avoid is possible!

Date of experience: 29 January 2015

I accidentally cancelled my direct debit and so missed a payment (my fault, I accept that). However, there was no warning letter or email saying something like; 'We noticed that your direct debit has been cancelled, if this is an error please re-instate it. Should this matter not be sorted we will charge you a returned payment fees of £xxx, etc. etc.' No! Just an instant slapping of two £12 penalties. £24!! (I expect that a non-payment note will also be placed on my credit record). Considering that I have never missed a payment, ever, I expected better treatment. I feel exploited and abused. I will be cancelling my account asap. Avoid this institution.

Date of experience: 09 January 2015

They don't take care of their client. If I can give 0 star, I will give 0 star. I'm closing my account.

Date of experience: 03 January 2015

This has to be the worst customer service bank in the UK. If you call them and you are on hold too long, they just cut you off, with no message or warning. (that's after 5 minutes). Then you have to go through their annoying phone system again, asking for every detail. I have closed my account will have nothing to do with this poor bank every again. After 3 days of trying, I finally got through to someone, who was totally useless.

Date of experience: 02 January 2015

I ordered a closing balance which I was given I promptly paid over £2000 and closed the account I was told I would receive a closing statement. I never did, I then received a threatening email telling me I was being passed to a credit reference agency, as I owed £1.74 yes £1.74. I called them immediately expecting an apology and for them to clear this menial amount, how wrong was I !! The girl explained it was 3 days interest accrued from when the bill was generated to the account closed and proceeded to ask for my payment. I replied saying it is not my fault that there systems aren't efficient enough to close my account when requested and I paid it. I also explained that this is a terrible way to treat customers over such a small amount considering I had no statement. She then said think if every customer owed £1.74 how rude. I have worked in credit management and it has always been best practice to write off such small amounts to provide good customer service. I will NEVER use MBNA or Virgin money services for anything again.

Date of experience: 09 December 2014

Been trying to get some customer service for over for over 6 months. Tried calling when I'm available which is usually during evenings but have never connected with a service agent due to long wait times. Currently on hold for over an hour and not sure if I should hang up. I haven't used my mbna mastercard for over 6 months because the company does not deserve my business.

Date of experience: 28 October 2014

Haveing had an issue with wowcher re goods not received and not being able to do anything about I contacted MBNA the I dispute centre who could not have been more helpful.Hopefully they have disputed the issue and I should be able to get my money back fingers crossed so A BIG THANKYOU .

Date of experience: 22 October 2014

I have had an MBNA platinum card for more than 10 years and although their charges were high, this never bothered me in the past as I always cleared my account at the end of each month.
Having lost my job and gone through a messy divorce I was unable to make three consecutive payments. I contacted the company immediately and explained the situation and that having found a new job I would soon be in a position to correct the arrears and resume regular payments.
What I did not realize was that behind the scenes they had ruined my credit rating, cancelled my cards and when I contacted them again after bringing the outstanding payments upto date, received a letter informing me that I should cut up my cards, and that they would close my account eventually after the remaining outstanding balance is settled.

Date of experience: 02 August 2014

Yes this company ARE the worse credit card company out there, they will charge you at every available opportunity without proper reason.
Their customer services are awful and they will tell you one thing and do something else.
Stay away from MBNA, there are far better credit card company's out there.

Date of experience: 14 July 2014

I'm always happy about MBNA until recently, very bad experience with their card delivery in London. They chose DX to deliver credit card. DX offers really poor service, bad customer service and unreliable delivery service. Two weeks still haven't received my card and DX kept messing my delivery, and attitude from their staff is just bad bad bad!!!!

Date of experience: 15 April 2014

I have received a number of phishing e mails purporting to be from MBNA I have forward these to the company to help with their security,they appear not interested as unlike their competitors they cannot acknowledge or say thank you.
I will not waste anymore time now helping them.

Date of experience: 06 February 2014

I asked MBNA for a settlement figure as I wanted to clear all of my debt so I could re-mortgage. Paid them £5,780.00 to clear. My mortgage advisor checked my credit rating and MBNA have put a late payment notice on it as they hadn't quoted £80 interest accrued and they had written to an old email address which I no longer use. I have since paid the outstanding and called to ask them to remove the late payment note but they refuse to do so. In other words my mortgage which is obviously my biggest concern means absolutely nothing to them. Absolutely distraught!!!

Date of experience: 06 December 2013

They were notified of changes to my account 3 weeks prior to my direct debit coming out, but chose to sit on them until 1 day before the go live date which resulted in the direct debit being taken from a closed account. On phoning them I was told that the no I wouldn't be charged, I would retain my interest rate and yes they were in the wrong, don't worry (I paid that months amount in full by card as soon as I realised). Next month they started charging me an inflated rate of interest, which I queried and was told that I had defaulted on the loan, completely contradicting what I had been previously informed. As soon as I mentioned the banking ombudsman it all went a bit pear shaped, they initially stated that I could have a copy of all phone conversations but it would cost £10, they are now stating that they don't provide them. On-line messages are now going missing from my account (on-line messages are the only way I can get them to engage in a properly documented conversation).

Date of experience: 15 November 2013

What can I say - they are terrible. I sent them a £1000 and cancelled my DD but because I didn't inform them, they charged me a £12 DD returned fee. They had my payment before the due date and even the CS rep agreed that the money had been received in time, the charge would stand. Anyway, the account is paid up and closed now and I will not use them again. I don't suppose it matters to them - they ar a big US based concern and probably have millions of customers.

By the way, those of you using Amazon credit cards - they are managed by MBNA, so beware.

Date of experience: 13 March 2012

A useless bank. I was one day overdue on my credit card bill because I was on holiday. I paid it on a Friday evening (the day it was due) and the money didn't reach MBNA until the Monday. I lost all of my 0% interest free arrangement on the contract and their customer service people were less than helpful. On top of that, I paid almost £40 on late payment fees and 'interest' for only two days! They are an unbelievably unreasonable bank and I won't be taking out another credit card arrangement any time soon.

Date of experience: 01 December 2011