MBNA is not for everyone. They tend to be more strict with applicants then other issuers. Be good to them and they'll return the favor. However, don't fall behind or pay the minimum very often. They can have a very low tolerance for customers whom they feel are "becoming" too risky.

Yes, don't fall for the 0% BT offer on this one. If you apply by phone, and have a balance floating somewhere, they will target that balance, naming the amount of the balance and bank, and ask if you would like to transfer it to their 0% til 6/05. They ask what you are getting at the other bank (0%!!), when that will end, etc. and try to sell you their 0% so it is nice to think in advance that you don't want it. There is a BT fee and like others have said, a 0% balance will kill the extra cash reward incentive because payments will go to the 0% before the higher rate new purchase balance.

Don't forget, this card also features MBNA Netacess where you can get an exra month float on nonMBNA bills. I've paid my AMEX, Fleet and Discover current purchases with Netaccess last month for the first time and judging from my first statement of a minimum payment to AMEX (my test trial), no finance or service charge.

Wow! That is the quickest approval I've ever gotten from MBNA. For my Fidelity 529 and AAA cards, I had to fill out the app and wait 4 weeks for an answer. As others in this thread have mentioned, I called the #, gave them the 4 letter code, and afterwards spoke to a credit analyst who approved me on the spot! I was also approved for way more than my 2nd 529 card back in May (I maxed out my rewards on the first one, so I applied for a 2nd one. With a high limit on the first card, they only gave me a $1K limit on the 2nd 529 card and I had to reallocate credit lines to use it). They say I will receive my new card in 5-7 business days.

Thank you OP for posting this deal!

DaveHanson said:davelanton, would you mind posting the various limits you received from MBNA, including this one?

Any other info you feel comfortable including, e.g. the income you gave them, would be helpful also...

The question was addressed to davelanton, but since I was approved for this card as well, you may find the info useful:
The income I stated at the time of application: 90K
monthly morgage: 300 (it's true, the morgage is only for $50K, it's a condo, and I don't have to include the maintence fee in the monthly morgage, right?)
approved for: $5K credit line, after talking to a credit dept CSR. He asked my why & how I've accumulated $25K+ balance on two other MBNA cards, and why I was only making minimum payemnts($15). I've thought that after hearing that it's under 0% apr and I intend to pay it off before expiration, he would not be happy... but it seemd that he only cared about aproving as many people as possible... so after I told him that I have $ in the bank to pay off the balances when 0% expires, he was satisfied.

tooshy said:fotomaniak said:DaveHanson said:davelanton, would you mind posting the various limits you received from MBNA, including this one?

Any other info you feel comfortable including, e.g. the income you gave them, would be helpful also...

The question was addressed to davelanton, but since I was approved for this card as well, you may find the info useful:
The income I stated at the time of application: 90K
monthly morgage: 300 (it's true, the morgage is only for $50K, it's a condo, and I don't have to include the maintence fee in the monthly morgage, right?)
approved for: $5K credit line, after talking to a credit dept CSR. He asked my why & how I've accumulated $25K+ balance on two other MBNA cards, and why I was only making minimum payemnts($15). I've thought that after hearing that it's under 0% apr and I intend to pay it off before expiration, he would not be happy... but it seemd that he only cared about aproving as many people as possible... so after I told him that I have $ in the bank to pay off the balances when 0% expires, he was satisfied.

What % util of MBNA credit line is your $25K+ balance?
98% on one card and 97% on the other

davelanton said:
edit: the AAA gas card I mentioned earlier is technically in my wife's name, with me as a JOINT card holder. I set it up that way to reallocate some of that credit to the 529 cards, which helped get me to limits I have now.

Wow, did not know that it's possible.

Is this normal for MBNA to allow to transfer credit line in a situation like this or did they make an exception for you?
Have you done similar things with other card issuers?

fotomaniak said:davelanton said:
edit: the AAA gas card I mentioned earlier is technically in my wife's name, with me as a JOINT card holder. I set it up that way to reallocate some of that credit to the 529 cards, which helped get me to limits I have now.

Wow, did not know that it's possible.

Is this normal for MBNA to allow to transfer credit line in a situation like this or did they make an exception for you?
Have you done similar things with other card issuers?


I don't know if I am following this correctly, but I just experienced the same benefit of transferring credit lines from a JOINT card to this card (which is applied only in my name, husband authorized user).

Ok, just went through application process and turns out that the cash rebate offer with 10% but only at grocery and hardware stores (code HGW4), however the offer code HGW1 is the one with 10% for all purchases untill 6/05.
I applied and am going to see what I get.
EDIT: amending this post with information learned later, once I got the card - 10% cash back on ALL retail purchases issued on each monthly statement is in addition to the worldpoints rewards, which are 1 for 1$ and roughly correspond to cashback of .8% to 1%

yangocc said:Call 1-800-437-0180 to apply.

Bonus Rebate: 10% Instant rebate on many everday pruchases automatically until 6/05 (limit $25 per month)
Cash Back: 1% continuous cash back on purchase (no limit, request $25 credit once spend $2500)
APR: 0% Introductory APR for cash advance checks and balance transfers until 6/05, 7.9% for retail purchases from the start
Annual Fee: None

Edit: sorry for double post, my computer is slow.

Edit: Just read the details, if you spend $100 before 6/05, you will get $10 rebate statement credit and cash back earnings based on $90.

Edit: Added the code HGW4.

Edit: Just finished my application, got confirmed the 10% bonus is good on every retails.

I just applied and she never asked for a code. CS asked did I receive something in the mail. I said yes and she looked up my info. Only after that I was allowed to go for the application. Couple of times I verified that the card was MBNA Cash Back Platinum Plus Mastercard. I guess they are going to give me regular card with 1% rebate. Will have to go through the cancellation process if I am getting other than this one.

Anyone else get GOOGLE MBNA ads at the top of the FW screen? What is this and when did these start?