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Golden Key International Honor Society Card
Issued by MBNA |
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| Total Posts: 4 |
Average Rating:
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Category: Regular |
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Showing 1 - 4 of a total of 4 Commentaries |
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1-4 |
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| "A CARD WITH HONOR." |
For starters let me say I'm new to the credit card game. I've paid cash for everything throughout my life, just the way my father instructed me to. By taking out a small short term loan (15 mths.) and paying the installments on time, several pre-approved cc offers began arriving in the POB, needless to say, most with ridiculous offers. High interest rates, two cycle billing, instant platinum status but no rewards, and every other imaginable credit pitfall were just a phone call away; all pre-approved.
Fortunately, my patience paid off in the form of the GOLDEN KEY NATIONAL HONOUR SOCIETY AMEX credit card. This card was literally the needle in the cc haystack, it outshined the others by far. Not only did the card offer a low apr (9.90%) in the event a balance would be carried, it also offered access into the Worldpoints Rewards program. My favorite perk is the concierge service- a personal assistant for: VIP ticket access, hard to find tickets to concerts,sporting events, and theater across the country; Fine Dining, hard to get reservations at top resturants; Getaway Arrangements, Villa, home and condo rentals,spa golf and tinnis vacations. This card offers so much for so little.
Initially offered through MBNA now BOA the continued high level of service is yet to be experienced. I've had to call in once to confirm an online payment and the service staff was very supportive and well informed. It's nice when something is as it seems with no smoke and mirrors or nickle and dime gimmicks, just the facts as stated. Not wanting to take total advantage of the situation, I intentionally carried a balance and gladly paid the financing just to appease my own conscience.
Now the REAL credit card offers are rolling in; pre-approved Gold Rewards AMEX, Rewards Platinum Chase, Cash Back Platinum Discover, just to mention a few, but I'm sticking with the one that first of all placed their trust in me and second of all took me to a higher level in the game. But please don't take my words here as pretentious or bragging, I'm simply one of those individuals who is loyal to those who are loyal to me and the two companies representing this card, AMEX and BOA, now have my loyalty and therefore my business. And in keeping the faith it is my duty to share these positive experiences.
So now a new hobby is looking up and reading reviews of the many different credit cards in order to get a better understanding and develope a broader scope. In doing so, my research has solidified my confidence in this card, I Highly recommend it. |
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| Most attractive feature: Low APR, HIGH LIMIT, Superior Service. |
| Least attractive feature: Paying online takes 3 days to process. |
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| Posted by: S.C.H. |
| Date: 10/31/2006 |
Recommend?  |
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This person does recommend this card.
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| "Great Credit Builder" |
I was offered this card through the mail during senior year of college. The initial credit limit
was high considering my lack of credit history, and the rewards program was and is still very good (although your points will only go half as far for cash now). Soon the Prime Rate will be higher than the fixed rate on this card.
MBNA is a prime-to-superprime lender, which has done extraordinary things for my credit report. Having a positive MBNA account on your CR is good news! |
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| Most attractive feature: Low APR; Excellent Rewards Program |
| Least attractive feature: None |
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| Posted by: Super 7 |
| Date: 2/11/2005 |
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This person does recommend this card.
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| "Excellent Card" |
| THis card is not only well organized, the customer service people are excellent and very friendly. |
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| Most attractive feature: Easy membership teerms and good APR |
| Least attractive feature: None that I know of |
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| Posted by: Margaret |
| Date: 5/2/2003 |
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This person does recommend this card.
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| "Balance a bit unnecessary" |
| The card was stolen overseas and the thief rang up a $1000 balance on it. To MBNA&#'s credit, they took care of the whole thing with little inconvenience to myself. I was, however, rather annoyed when they issued me a new card out of the blue last year and didn&#'t inform of their intention to do so beforehand. Interest rate at 18%, higher than GTE Visa&#'s. |
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| Most attractive feature: high credit line right at the start; excellent emergency handling |
| Least attractive feature: higher credit line soon and relatively higher interest rate |
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| Posted by: Rachel |
| Date: 4/13/2002 |
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This person does not recommend this card.
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Showing 1 - 4 of a total of 4 Commentaries
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1-4
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