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Sierra Club MasterCard®
Issued by MBNA |
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| Total Posts: 2 |
Average Rating:
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Category: Regular |
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Showing 1 - 2 of a total of 2 Commentaries |
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1-2 |
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| "sierra club" |
I got this card soon after I had already received my college brand mbna card, I decided my school didn't need the money as much as the environment did so I converted to mbna Sierra Club. A Recent merger with Bank of America has caused no problems.
I am a responsible person who knows what having a credit card means, even back in college. Yo! Read the fine print always! That's what it's there for. I pay my bills on time and most of the time pay them in full each month.
It gives money to the Sierra Club, and whatever that amount is, at least it's something. I use this card for absolutely everything under the sun, and then pay from my checking account.
It has taken me no time at all to collect enough points for a free international flight. |
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| Most attractive feature: Money given to Sierra Club and all the Points I get towards a free something. |
| Least attractive feature: Never had a problem. I pay my bills on time like a responsible person would. |
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| Posted by: clarissa |
| Date: 12/21/2006 |
Recommend?  |
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This person does recommend this card.
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| "A trip through hell" |
I got this card when I was young and stupid, fresh out of high school. The company did what most credit card companies did; they sat at a table in my college's dining center with a treasure trove of useless free stuff for any unsuspecting suckers who chose to take the opportunity to "build their credit" with this card.
Almost ten years later, I'm still recoiling from the aftermath of owning this card.
It started me off with a credit line of $1000. Easy enough, and in my impetuousness, the idea of $1000 worth of "free money" was great. But then they raised my limit. And raised my limit. And raised my limit. Soon, I had a limit of $3100, and it was all spent. In fact, I kept going over the limit, because the company's finance charges would push me over the limit, and they would add a thirty dollar over the limit fee. I spent almost a year sending them $100 a month and still ending up with an over limit fee every month.
And, in the meantime, I had been neglecting to read the fine print and the extraneous pieces of paper that came with my statement, so they kept raising my interest rate. The last time I checked, my interest rate on this card was 24.98%, and I just sent an angry letter to them a month ago, because they were trying to raise my rate to 27.98%, and I haven't made a purchase on that card, or even physically OWNED the card, for over three years.
In addition to this mess, repeated phone calls to MBNA to plead for SOME kind of mercy have resulted only in a series of headaches, hassles, and an unexpected spike in my blood pressure. I do not for any reason recommend this card to any living being who wants to maintain their financial sanity. |
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| Most attractive feature: a portion of the proceeds from your purchases go to the Sierra Club |
| Least attractive feature: the company continues to raise the rates, even after the account is closed. |
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| Posted by: Dani |
| Date: 7/6/2003 |
Recommend?  |
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This person does not recommend this card.
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Showing 1 - 2 of a total of 2 Commentaries
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