Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 20.9% p.a. variable with a 5% fee. The product, APR and promotional offer are dependent on your personal circumstances.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
It has worked seamlessly since I have used it. It gives you reward points, but I have not redeemed any yet so I am unable to comment. I lost my wallet recently on holiday in Nerja Spain and was able to cancel the card without any bother. When I arrived home 3 days later there was a replacement card waiting for me - excellent service. I pay my bill by direct debit which saves any hassle with missed payments.
Not really had a lot to do with them but mostly via internet and the website is really user friendly.I don't get bothered by them as I set up monthly standing order so not sure what the penalties etc would be if late payments made as I haven't had this. Reasonable interest rate and percentage that you have to pay if only pay the minimum each month.
Don't apply unless you thoroughly check, as with every application for credit, the interest rate once any promotion has expired. Was not in contact with customer services often. Mortified to realise the interest rate i was on and the amount being paid for the privilege. Not sure how this one slipped through the net. Will be arranging to move to a card with a more favourable interest rate and one that does not count against credit score as that needs to remain in tact.
The MBNA BMI Diamond Club card gives diamond club points with every purchase, unfortunatley BMI as such doesn't exist anymore (it is a long held card) but they convert to BA's awards scheme - which seems to be impossible to book any award flights with. No idea what the interest rate is as the balance is paid on time each month. On line access is good and easy to use
Since opening an account with MBNA over 7 years ago I have never had any problems. They offer a good range of cards, visa, mastercard, amex etc. They offer good reward programme. Their customer service is very good and they can be contacted in various way from phone, website etc. Their website is easy to use and very professional.