darambo said:Anyone else get GOOGLE MBNA ads at the top of the FW screen? What is this and when did these start?
you should only see the ads only if you are not logged in

Just read this whole long thread. I still have a few questions though. Do you guys mean 10% INSTANT rebate on gas and other certain purchase? If so, it will be an awesome card for gas and groceries shopping before 06/05 then. INSTANT rebate (credit on following month's statement) is the key here cuz I certain won't like to use it again after 06/05. Anybody succeed on that yet?

Foto, thanks for sharing your experience. It will certainly benefit others who are thinking of applying.

OT but why are you interested in Investment Rewards? Is it to get extra mileage out of a dormant AAA card (i.e. convert to Investment Rewards card)? Or is there something special about this reward site? Just interested in your opinion.

I enrolled in Investment Rewards (free) to see what it is all about. I'd be leery of this site. For one thing, it is a cash back site, no different than FatCash, netflip, Ebates and others. I don't think their reward %s are necessarily higher. Only a bit more invasive about your financial records like SSN (optional although they state it will expedite your rewards payment). They offer to link payments to your bank accounts. Very bad, reminds me of Trilegiant companies. Or they are fishing for prospective customers to sell financial products. I'm surprised MBNA would associate themselves with this program.

I applied last night. The first rep said it was targeted and I couldn't get it. So I called back 3 minutes later and the second rep said sure no problem. She hadn't heard of the card (while the first one had) but I gave her the code and she found it. I told her I was concerned that I would get rejected since I had another MBNA card with $25K limit (no balance). She said no problem, they would take $10K off that one and put it onto the new card. I asked her when I would know if I was approved and she said that since I was just moving my credit limit, it was a done deal and I should get my card in 1-2 weeks. Hope this works out.

I also got 0% through 6/05 with a $75 BT fee. I'm thinking this may be better than the 10% cash back (Can pay off my 4% Heloc). I may have my wife apply for one too.

tarcapone said:I applied last night. The first rep said it was targeted and I couldn't get it. So I called back 3 minutes later and the second rep said sure no problem. She hadn't heard of the card (while the first one had) but I gave her the code and she found it. I told her I was concerned that I would get rejected since I had another MBNA card with $25K limit (no balance). She said no problem, they would take $10K off that one and put it onto the new card. I asked her when I would know if I was approved and she said that since I was just moving my credit limit, it was a done deal and I should get my card in 1-2 weeks. Hope this works out.

I also got 0% through 6/05 with a $75 BT fee. I'm thinking this may be better than the 10% cash back (Can pay off my 4% Heloc). I may have my wife apply for one too.

There are other 0% no fee BT offers. I posted a Chase offer here.

Wow, sounds like you have quite a lot of 0%'s from various credit card companies, but no Citi? I posted in the same 0% BT thread - another recent 0% NO FEE promo from Citi. Just thought it is a shame to pay fees when there are still some no fee offers around....but you have your reasons to go with MBNA and perhaps even a $75 fee is cheap if you are moving large sums.

One consequence of taking up so many 0% offers is that your debt-to-income ratio becomes very high. Citi is especially cautious and strict about this criteria when granting credit. Like everything else, be moderate and balanced on the 0% offers. Just a friendly suggestion.

Best wishes.

tarcapone said:I've had 0% from Citi, but they've expired. I've tried applying for new cards with 0% but have been rejected. I think it is because of large balances and too much available credit with Citi. Any suggestions? Should I close my Citi accounts that I'm not using, or try to transfer those limits to a new card?

Were the rejected applications with Citi? If not, then it may be worth your while to apply for a Citi 0% because you have "too much avaiable credit with Citi." Apply by phone where they may ask you to close or transfer credit lines to your new card if approved. If you close your Citi cards first, you would have no lines to transfer and your chances of getting the 0% offer is slimmer IMO. But I agree, it is tough to apply for more credit when you already have high utlization and there could be a downside risk that they will ask to reduce your credit limit or close your accounts.

I am thinking of applying for another AT&T, if they do offer 5% on every purchase til 2005. If approved, I may have to transfer lines too, but having unused credit to do so helps the approval process is the way I see it.

With the MBNA card, I plan to buy GCs up to $250/month at Safeway on the last day of statement cycle less any restaurant charges during the month and use Citi/AT&T 5% for the rest of our grocery & Drugstore purchases. Really makes AMEX/Fleet/and even Discover (although I'll still use this for gas) third tier now. However, there is still need for these cards too.

Just applied and was approved for the card over the phone. They couldn't offer me any more credit, but was able to transfer some from one of my other card with MBNA. Thanks, yangocc.