MBNA Platinum Plus Reviews

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Discontinued Card!
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MBNA Platinum Plus
Issued by MBNA

Total Posts: 227

Average Rating: 2.93

Category: Regular

Showing 1 - 10 of a total of 227 Commentaries

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"Horrible"

I was fine with and enjoyed my MBNA Mastercard until I made one late payment of three days. I called to state my case and the original person was understanding enough but he said I had to talk to the finance dept. if I wanted my interest rate back down to 9.9. The first guy was rude from the very beginning before I even read him my card number. I wanted to just hang up the phone and call back. He preceeded to tell me that he would not considerlower my interest rate until three to six months. Upset I told him to close my account. After I calmed down I called again and stated my case to a woman at the finance department that seemed to care less. She informed me once my account was closed it's they can't do anything about it. Seems they don't care about the customer and are looking at the first excuse to jack the interest rate up on you. I will never use this company with my buisness or personal use.

Most attractive feature: High Credit Limit and decent interest rate

Least attractive feature: One time, three days late they increased rate from 9.9% to 24.99%. Very rude on the phone.

Overall:

Benefits:

Service:

Posted by: Tillman

Date: 9/13/2006

Recommend?

This person does not recommend this card.

"Member since 1987"

I was a co-signer for two loans that the signers made late payments to without my knowledge. MBNA chose to immediately reduce my credit line from 25K to 6K (the then-current balance) and also tripled my interest rate. Unfortunately I was traveling at the time and did not discover this fact until I was denied funds at an ATM. I called "customer service", to find out why my card was rejecting and was treated rudely. I have cancelled my account with MBNA despite almost 20 years of doing business with them. MBNA has apparantly forgotten that loyalty works both ways.

Most attractive feature: high credit limit

Least attractive feature: laughable customer service

Overall:

Benefits:

Service:

Posted by: g

Date: 8/8/2006

Recommend?

This person does not recommend this card.

"My lowest interest rate card."

I have the Platinum Plus Cash Back card from mbna. The rewards aren't that great at only 1% cash back but after 12 months at 0% i'll have a fixed rate of 7.9% which is the lowest of all my cards and below prime the last time i checked.

Most attractive feature: Low fixed rate after 12 month 0% intro rate.

Least attractive feature: Rewards could be higher

Overall:

Benefits:

Service:

Posted by: Al

Date: 6/26/2006

Recommend?

This person does recommend this card.

"Card holder since 1998"

I've had the platinum plus card for a long time now. I have excellent credit which used to be rewarded in the world of credit cards. MBNA has chosen to bang its holders over the head with insanely high penalty fees and rapid interest rate increases. I've had good customer service experience with MBNA. However, given the very nature of the low paying position of many call centers it's not any surprise that many people get poor customer service (less than professional.)

Most attractive feature: Easily accessible high credit limit

Least attractive feature: Above average interest rates and penalties

Overall:

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Service:

Posted by: AMR

Date: 6/24/2006

Recommend?

This person does not recommend this card.

"rewards"

Will dropt card. Zones are required for airline tickets while most programs allow minimum points to anywhere in the continental USA. Additional points needed sometimes even in neighboring states.

Most attractive feature: service

Least attractive feature: rewards

Overall:

Benefits:

Service:

Posted by: emd

Date: 3/1/2006

Recommend?

This person does not recommend this card.

"Interest Rates Quietly increase"

I currently have an MBNA Platinum Plus Card with the World Points option. I have a credit score of 793 and have paid the balance in full or extra (since I round up) each month. I have proven at times I can handle a large balance in a given month. I have recently transferred a balance of a time share and plan on paying it at the end of the year upon receiving my bonus. When I received my statement I was charged $75 for the transaction and called to discuss with customer service. On that call I also realized that my 4.9% fixed rate, so I thought, had quietly increased over time to 9.5%. Customer service admits I have been a great customer and there is nothing they can do. They suggested that I leave and call the new customer dept. customer service and start over so that I can get a better deal. It sounds like they do not value existing "good" customers. Upon reviewing my history, I recall I have had problems with MBNA in the past. I should of never left Providian / Chase, they treated me great for years, American Express is also 5 star.

Most attractive feature: World Points Option since they have flexible rewards

Least attractive feature: Interest rates and Customer Service attitude

Overall:

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Service:

Posted by: Mark

Date: 9/16/2005

Recommend?

This person does not recommend this card.

"Fluctuations of "fixed" rates hurts the company's otherwise strong customer service"

An MBNA Visa was my first card at the age of 17. In the six years following, I moved up to a Platinum Plus card with a high limit and a low interest rate. My credit score is over 750, I have never had a late payment on a single card and my balances are usually low, but always paid off quickly. I feel that my good payment history has actually hurt me, as in the past year, my low fixed rate has changed to a variable rate that is now around 11.49%. When I questioned this increase, I was told that there was certainly nothing I had done "wrong", but that it was a result of the bad economy, and that the rate could potentially drop in the future when the market improves. My other credit cards don't seem to be experiencing the same financial hardships as MBNA, so if my rates don't improve within the next year, I am considering cancelling my card. However, their customer service has always been the best I've seen in terms of dealing with credit card companies. This particular card doesn't offer any of the reward points seen with other cards, so I feel the least they can do to reward good customers is keep their interest rates low.

Most attractive feature: Good customer service & historically low rates

Least attractive feature: Fixed rates can change to higher variable rates for no conceivable reason

Overall:

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Service:

Posted by: UnfairlyIncreas

Date: 8/28/2005

Recommend?

This person does recommend this card.

"customer for many years"

I spoke to an account manager about a late fee of $39+, I generally pay on time or before the due date, the account manager was arrogant, had to ask several times before he would connect me with a supervisor. MBNA should monitor their account managers, and counsel some of them, before they loose a lot of good customers. The supervisor, when I finally talked to her was nice, ladylike and agreeable

Most attractive feature: some benefits, although MBNA constantly raises the bar on the number of points needed

Least attractive feature: arrogant account managers

Overall:

Benefits:

Service:

Posted by: E OR

Date: 8/20/2005

Recommend?

This person does not recommend this card.

"lack of respect for the client/customer"

After I had two huge storms damage my home in two weeks' time, mbna called to ask why my payment was late. I explained my crisis and that I also had just received notice that my teaching job was not renewed. Immediately. the mbna representative said, "Well,we will just have to reduce your
credit limit because you won't be able to pay your bils on time." I had always paid my bills on time. I felt humiliated and embarrassed, and I promise you that she really enjoyed her little power trip over other people's lives. In addition, my interest rate was increased to 24.99%.

Most attractive feature: The only positive aspect to the card is that it accesses ll bean.

Least attractive feature: Customer service at mbna was rude and demeaning to me.

Overall:

Benefits:

Service:

Posted by: Beth

Date: 6/19/2005

Recommend?

This person does not recommend this card.

"service/"

I had used an MBNA card for 3 years, taking full advantage of any low interest convenience check offers that were offered during that time period. During those three years, by credit limit kept going up because I was always in good standing. I started out at $2,000 and in that 3 years, it went up to $13,000. I received an offer of 2.9% interest and called customer service to review the conditions, and during that conversation, the customer service representative discovered that my credit limit was not appropriate considering how much money I make. He cancelled my card right then and there! Keep in mind, now, that in 3 years I had never been late with a payment! They probably did not make a huge amount of money on me and perhaps that's why they cancelled my account. The only thing I can think of is that they would rather have customers who are high risk so they can make 20-30% interest off people who default in some way.

Most attractive feature: low interest offeres

Least attractive feature: customer service

Overall:

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Service:

Posted by: Linda

Date: 4/15/2005

Recommend?

This person does not recommend this card.

Showing 1 - 10 of a total of 227 Commentaries

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