MBNA Bill Pay trick - if you have more than 10 CCs in one netaccess account

Just added one more card to my MBNA netaccess account recently and noticed that I can't schedule payments for one of the cards, it just won't show up in the bill pay section as a payee.

It turns out that MBNA Bill Pay will only display first 10 MBNA cars as payees.

If you have more than 10 cards linked to one MBNA Netaccess account you can change order of the accounts, by going to My Accounts, then to "Change Account Order". Just rearrange the accounts so that the one you want to pay off is in the first 10.

I know, most people don't have that many MBNA cards, so to make this thread more useful, let's share some other Bill Pay tips, tricks and strategies.

only got 3 schwab cards... it don't even have Bill Pay function as normal mbna card..

you need a noncobrand MBNA card to start billpay, then you can add Fido, Schwab etc

Interestingly, you can still pay your Bank of America credit cards via Bill Pay even though BOA owns MBNA. I assume they will change this at some point since accounting principles do not usually let you count as income interest that is borrowed from yourself (as I understand it).

On the chance they would honor requests already made, I entered the next several months payments in advance so I could take advantage of this float even if they did not let you add new payments to BOA.

I have a Schwab and an MBNA American Express and I can use the bill pay

scanchain said: didYOUsearch said: you need a noncobrand MBNA card to start billpay, then you can add Fido, Schwab etc
I received my MBNA Fido 529 card last week and I added billpay without problem. This is my only MBNA card.

But can you pay bills other than your MBNA card?

scanchain said: I received my MBNA Fido 529 card last week and I added billpay without problem. This is my only MBNA card.Weird, cuz as a poster above said, those people who have only ever had a Schwab MBNA CC cannot access the full capabilities of BillPay. wonder why Fidelity branded wouldnt have the same problem. Does your Fidelity 529 say WorldPoints on the front of it ?

rigor said: can you list the 10+ cards you have at once? just curious how far you can go with them. lines too if you do not mind me being so snoopy

not all 10 cards belong to me, I have:
MBNA platinum Cash Back
Schwab
Schwab
Wachovia world points (converted from non reward wachovia)
Worldpoints
Total CL abut $33K

The rest are my wife's cards(4) + 2 cards where I am an AU.

fotomaniak said: rigor said: can you list the 10+ cards you have at once? just curious how far you can go with them. lines too if you do not mind me being so snoopy

not all 10 cards belong to me, I have:
MBNA platinum Cash Back
Schwab
Schwab
Wachovia world points (converted from non reward wachovia)
Worldpoints
Total CL abut $33K

The rest are my wife's cards(4) + 2 cards where I am an AU.

I'm wondering how many cards we will be allowed to have once the BofA/MBNA is complete. I'm using each card monthly to help avoid any account closures.

totally off topic. But I have this question for long.

If I use MBNA CC to payoff other CC (e.g. AMEX) through MBNA Bill Pay Choice, does this count as banlance transfer? If not (great), would I still earn points/Cash Back from both MBNA CC and AMEX CC once I finally paid it off from my bank account to MBNA? Sounds like double dips, isn't it?

Thanks, I just checked my MBNA rewards, you're correct. To sum it up if I billpay other CashB@ck CC, I float the bill by the grace period, but lose the opportunity of earning points from the other CC. So not great to pay CC with rewards/CashBack, but good to pay basic CC and utility bills (gas, electricity that don't accept online CC payment).

tazmania99 said: You still enjoy your grace period like a purchase when you billpay the other CCs with your MBNA cards. It does not count as a BT. However, such billpays do not earn any points.

For example, I can billpay a T-moble bill with an MBNA card. I won't get billed until the statement closing date and it is not due until the last day of the grace period (mine is 25 days). However, I do not earn CashBack points on this billpay. If I pay the T-Mobile bill on T-Mobile website, on the other hand, I will earn CashBack point though just like a regular purchase.

suppose i signup for a MBNA card, and use their billpay to pay my mortgage...what do i gain except for another 25 days to pay MBNA instead now? (assume i can't go to my mortgage bank's website and pay with another non-mbna CashBack CC).

makeinu said: jignesh said: suppose i signup for a MBNA card, and use their billpay to pay my mortgage...what do i gain except for another 25 days to pay MBNA instead now? (assume i can't go to my mortgage bank's website and pay with another non-mbna CashBack CC).

Well, since you've converted your mortgage payment into a CC balance you could now take better advantage of BT offers that don't allow depositing into a checking account.

However, the main benefit is simple that you get to keep the money for an extra 25 days.

Thanks for the quick reply. I'm seriously considering getting the 529 card through Fidelity. I'm not an experienced finance FWer (although i refresh FW for hot deals probably every 10 mins, lol). some stupid questions so that i understand the terminology:

"BT offers that don't allow depositing into a checking account"

at first, i didn't even understand what BT meant. as i was typing, i realized it must mean "Balance transfers"...so i now understand the acronym, but i still don't understand the complete sentence you posted. so suppose now i converted couple of my mortgage payments to a CC balance of $5000 (due to paying mortgage through MBNA CC), what does the second part of the sentence mean ("that don't allow depositing into a checking account")?

some BT offers don't allow you to put $ in to the checking account (no direct deposit option, no BT check) - you can only trasfer $ from another CC. So if you paid your mortgage with MBNA CC , you'll have a $5K balance on MBNA CC and $5K in your checking account(because you did not have to pay cash), which you can transfer $5 from MBNA CC to the CC that has 0% offer.

tuckeg said: I wwill be traveling and will not have Internet access for months at a time so I won't be able to review my CC statements each month and authorize payments. I am would like to use an MBNA Visa Signature CC because they still don't seem to be charging foreign fees (any new application will have 3%). If I use MBNA Bill Pay, can I set it up to auto pay the balance on the Visa Signature in full or do they only allow minimum payments or must all payments be entered manually each month?

looks like you are stuck with fixed amount for autopay.
try signing up for mycheckfree.com, they may have an option for min payment/full balance payment amount.

you can also prepay your CC for the amount you might need and then there won't be a need to worry about making payments.
MBNA does not always like negative(credit) balances though, so YMMV, use at your own risk.

I'll be in areas of Africa where phone service will be non-existant and even if I can get a balance there is no assurance that the check would arrive in the USA in time. Keeping track of charges will probably not work as it sometimes takes a while for charges to post and as was pointed out MBNA does like negative balances and to be safe I would have to assume all the charges posted but some will probably not. I have my AMEX account setup for balance autopay and also auto pay on a Chase Visa so I should be ok but was looking for lower conversion fees.

nm

I didnt want to start a new thread, but noticed the mbna bill pay no longer allows the addition of BOA credit cards (tried on 2 mbna cards). My existing BOA payments still appear active though (for now )

maddybeagle said: I didnt want to start a new thread, but noticed the mbna bill pay no longer allows the addition of BOA credit cards (tried on 2 mbna cards). My existing BOA payments still appear active though (for now )
I, on the other hand, tried to add my BOA credit card to MBNA Net Access. I got a BOA leaflet in the my MBNA statement about the merging progress, so I figured that I could use some more credit by adding my BOA credit card. No luck. The weird part was it recognized my BOA Platinum Reserve card as MBNA Business card.

adityanm said: I just signed up for a new BoA AMEX card that is still linked to MBNA net access.
I have signed up for Choice Bill payment service but I could not find if there is any charge
for bill payment or not.
Those who have used this service are requested to tell me if there will be any charge.
There is never a charge for paying an MBNA bill.
There is never a charge for paying any other bill using your MBNA credit card as the funding source.
If you pay a non-MBNA bill from your bank account, there is a 75 cent per payment charge. This charge is waived if you make a least two payments using your credit card in the same month.

eagleuta said: My question may be out of the topic, but i am curious what will happen if we only use mbna card for bill pay to other creadit cards? I mean by that way they just keep lossing money, will they just close the account?

I only use my MBNA cards to pay other CCs through bill pay, no issues at all, it's the opposite affect, they keep raising my CL, without my ever asking, I've been doing this for 7 months, as long as you keep paying your bill you have nothing to worry about.