Review Time
I would rate this experience as zero if it were possible, but then I couldn't leave a review. An agent contacted me in June 2025 about a balance transfer promotion that seemed appealing at first due to a 2% fee and 0% interest for six months. I believed that since my balance was zero before the transfer, there would be no minimum payment required, so I didn’t check my monthly statements, thinking I had until February 2026 to pay it off. Fortunately, I checked my statement last week and discovered that I was being charged 16.99% interest on the balance transfer, along with fees, because they claimed I hadn’t made the minimum payment. This feels very deceptive and seems designed to exploit vulnerable consumers who might struggle with minor payments, leading them into a long-term payment plan. Thankfully, I can pay off the full amount, but I worry about those who may not understand English well or have hearing difficulties. Their agents frequently call about promotions, but this feels like a trap to ensnare consumers. Missing just one payment can cause the promotion to expire, resulting in a much higher interest rate and a 40-year payment plan. I have been a loyal customer for 24 years, and this experience has revealed the truth behind their practices. I am extremely disappointed and plan to close my account soon, vowing not to recommend them to anyone. I hope a compassionate lawyer will pursue a class action lawsuit against these practices, as many consumers are likely to be affected. They’ve faced multiple class action lawsuits in the past, and I would gladly support any initiative to hold them accountable.
I would give it a zero if I could, but that would prevent me from leaving a review. An agent reached out to me in June 2025 about a balance transfer promotion that seemed like a great deal due to a 2% fee and 0% interest for six months. I assumed that since my balance was zero before the transfer, there would be no minimum payment, so I didn’t check my monthly statements, believing I had until February 2026 to pay it off. Thankfully, I checked my statement last week and found out I was being charged 16.99% interest on the balance transfer, plus fees, because they claimed I hadn’t made the minimum payment. This feels incredibly misleading and appears to take advantage of consumers who might struggle with even small payments, potentially locking them into a long-term payment plan. Fortunately, I can pay off the full amount, but I worry about those who may not understand English well or have hearing issues. Their agents frequently call with promotions, but this feels like a trap. Missing just one payment can lead to the promotion expiring, resulting in a much higher interest rate and a 40-year payment plan. After 24 years as a loyal customer, I am extremely disappointed and plan to close my account soon, vowing not to recommend them to anyone. I hope a compassionate lawyer will take on a class action lawsuit against these practices, as many consumers will suffer. They have faced multiple class action lawsuits in the past, and I would gladly support any effort to hold them accountable.
I’m extremely frustrated with how this service managed a clear case of misrepresentation on my credit card. I disputed a ticket purchase where the seats were not as advertised. I provided evidence, including screenshots and seating charts. They sent me a letter incorrectly labeling my complaint as a recurring issue. When I called, the agent told me to disregard the letter as it didn’t match my dispute. They claimed they couldn’t assist because I attended the event, stating that to qualify for a dispute, you must refuse the service entirely, even when it’s not as advertised. Essentially, if you try to make the best of a bad situation, you lose your rights. My experience shows that this service misclassified my dispute, caused confusion, acknowledged the letter was irrelevant without fixing it, and refused to help simply because I stayed at the event despite clear evidence. Their protection doesn’t seem to cover real-world situations where merchants mislead customers but they still use the service. This has severely shaken my trust in them as a credit card provider.
This service has the worst customer support of any credit card company I’ve encountered. It’s nearly impossible to get in touch with them. Their statements claim they are available 24/7, but when you call, a recording says the office is closed. If you need to report potential fraud, you’re told to contact a specific number, but the line is either closed or you can’t connect with a representative. You can be on hold for hours. The recorded message suggests contacting a live agent via online banking, but there is no chat option. Who is managing their customer service? My card is linked to a rewards program, and you would think they could afford to hire enough staff to assist customers effectively. This service is frustrating, and customers are understandably angry.
This week alone, I’ve spent 8 hours on the phone waiting because my card was blocked due to security concerns, despite having contacted them multiple times about those transactions. If you plan to reach customer service, be prepared to spend days trying to connect.
I have been waiting for 25 business days for my card to arrive. Each week, I’m told it’s in the mail. I asked if it had left their building, and I was assured it had. Today, I called again, and the agent discovered that it had NEVER BEEN ISSUED! Four agents previously provided false information. She promised me it would leave this time and should arrive in 7-10 business days. She was apologetic and polite, making it hard to stay annoyed. Anyone want to bet if I’ll actually receive the card? Update: I finally got the card!
On November 13, 2025, I called customer service as a new cardholder. The representative was very professional and helpful, guiding me step by step. I appreciated the assistance, especially since I didn’t have much experience with this credit card.
This is probably the worst banking experience I’ve ever had. I signed up through a gift card offer, but my credit card synced all my accounts and switched over payments without providing a card number. I couldn’t pay my bill because I still didn’t have the card number. I called for help, but the agent suggested a security number that turned out to be a main line. I waited on hold for 55 minutes with no resolution. This is the worst customer experience I’ve encountered, and I’m extremely frustrated that I can’t pay my bill due to this lack of support.
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