Hi- Was wondering if anyone has any info re MBNA's billpay after the completion of the operational merger with Bofa. Called Bofa a few months ago - and rep claimed that MBNA cards would simply become Bofa cards - and the bofa billpay service will apply - which of course - strips us of the many perks MBNA billpay offers. I read today that the final merge will be in Oct 2006. I'm hoping they keep MBNA's Billpay - but somehow I'm not optomistic. Anyone have any reassuring info? TIA
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posted: Jun. 7, 2006 @ 7:22p
manuel
Greedy Member
posted: Jun. 7, 2006 @ 7:34p
Been discussed adinfinitum in mbna threads - don't think the october 2006 date means a thing.
Billpay will end when billpay ends.
terpaero
Member
posted: Aug. 24, 2006 @ 5:29p
manuel said: Been discussed adinfinitum in mbna threads - don't think the october 2006 date means a thing.
Billpay will end when billpay ends.
Has anyone actually got confirmation that Billpay will end? I just received a letter today saying that I should receive a new card branded BofA instead of MBNA soon. I really really pray that they keep Billpay. Otherwise, I'm just going to reallocate to my no fee BofA card.
will they put a stop to being able to pay Bofa cards ?
frootmall
Senior Member - 1K
posted: Aug. 25, 2006 @ 4:13a
There appear to be no insiders from the MBNA/BofA marketing and planning departments on this board. Or if there are, they are not talking.
We don't know what will happen to Billpay. We don't know if you will be able to continue paying your favorite bill. We don't know what new services they will introduce. We don't know what services they will take away. We don't know what new charges there will be. We don't know if they will close your account for doing x, y, or z. We don't know if there will be a 0% APR offer. We don't know if there will be a no-fee BT offer. We don't know... We don't know... We don't know...
I received this week a letter saying that I will soon receive a BofA card to replace one of my 2 MBNA cards. So we're closer and closer to finding the answer...
TonySpero
Senior Member - 1K
posted: Aug. 28, 2006 @ 12:19a
I already received the BOA card to replace my MBNA card, the letter that came with the card says continue to access the card through MBNA net access online. So far nothing but the card has changed.
Next step would be, if BillPay remains, how to convert former BofA cards to "MBNA" cards. Or at least consolidate them into "MBNA" ones.
mst3k
Senior Member
posted: Aug. 28, 2006 @ 1:58a
g10ny said: Next step would be, if BillPay remains, how to convert former BofA cards to "MBNA" cards. Or at least consolidate them into "MBNA" ones.
CSR told me I can covert my BoA credit card into an MBNA credit in late October.
ProfessorEd
Senior Member - 1K
posted: Sep. 22, 2006 @ 3:36p
While it is not clear what BOA will do with bill pay, a possible edge may be to enter future payments in now.
It is possible that if they restrict it, or shut it down, they will let the already scheduled ones go through. This would improve customer relations and avoid having complaint that people had said up payments before their big trip, and then they were not made etc. Ones who log on and find that payments are not possible, are not inconvenienced too much since they at least have notice.
A possible change (one I might make it running BOA) would be to put a cap on payments to single creditors, so that they do not provide an extra months interest free loans on large amounts, say paying off other credit cards when the 0% expires. This would let them continue to earn interest off of those that carry a balance and use bill pay for its convenience while limiting the amount of credit extended to those who pay off their lines before the due date.
Thus, it might be wise to set up repayment of other cards from MBNA now (assuming of course your credit lines are large enough). You presumably know the date you wish to repay these and the amounts now.
Of course, if they do not change the rules you can cancel the payments, or change the amounts to what you do want.
Since the system appears programmed not to make payments if it would exceed your credit line, you risk is reduced of having something go badly wrong.
Of course, if you do not check it, you risk finding the amounts set up are wrong. If the amounts are on the low side (say for a credit card) and they do not let you change them, you could let them go through and then pay the rest through some other route.
scanchain
Senior Member
posted: Sep. 22, 2006 @ 4:24p
ProfessorEd said: It is possible that if they restrict it, or shut it down, they will let the already scheduled ones go through. This would improve customer relations and avoid having complaint that people had said up payments before their big trip, and then they were not made etc. Ones who log on and find that payments are not possible, are not inconvenienced too much since they at least have notice. I think I should go ahead and schedule the next 12 months of my mortgage payment. LOL...
The screen on the 10th click shows a link called "Pay an external bill using Bill Pay" under the "I want to..." section on the left. I don't see this link on my Non-MBNA BofA Cards.
Anyone care to speculate?
scanchain
Senior Member
posted: Sep. 22, 2006 @ 6:05p
scanchain said: ProfessorEd said: It is possible that if they restrict it, or shut it down, they will let the already scheduled ones go through. This would improve customer relations and avoid having complaint that people had said up payments before their big trip, and then they were not made etc. Ones who log on and find that payments are not possible, are not inconvenienced too much since they at least have notice. I think I should go ahead and schedule the next 12 months of my mortgage payment. LOL... Done. I sure hope you are right.
BTW, you can only schedule at most up to 365 days in advance. But of course you can also schedule more instances to any future date and then change the date later.
OT but I hope they will finally add OFX download for current account activities on MBNA cards, while keeping the Bill Pay Choice service on the card. Right now you can only download aftre the statement closes.
I was looking through the pamphlet for the "Bank of America WorldPoints" program and it makes mention in the small print that "Cash advances, purchases of money orders or other cash equivalents, fees, out-of-network payments through Bill Pay Choice, purchases made by or for a business purpose, and unauthorized or fraudulent transactions do not earn Points."
I think that pretty much summarizes what the end result will be, which is Bill Pay Choice staying and, most likely, existing Bank of America Power Rewards customers will gain access to Bill Pay Choice on October 23rd.
lsufanatic
Addicted Member
posted: Oct. 20, 2006 @ 12:58p
Reminder for everyone who uses MBNA's billpay function. Since they are supposed to transition to the BofA system on Monday, you may want to go in and schedule any last minute payments and print off your scheduled and completed payments in case they don't keep the billpay option. I did it this morning so I could know for sure what payments had been made and so I don't double pay a card or worse miss a payment.
tooshy
Frivolous Member
posted: Oct. 21, 2006 @ 1:34p
I spoke with a CSR at MBNA who referred my question to someone "from that side" (BofA). She said as far as she knows everything relating to ibsnetaccess bill pay should remain intact since BofA likes their credit card model. She said she has not heard about any changes to netaccess. I specifically queried if BofA billpay on Monday will allow using their credit card to pay a credit card account (figured at this point, what have I got to lose). She did NOT say yes this feature will still be there, all she could say is she hasn't heard of any changes. What this means (reading between the lines) is that it was not specifically targeted for removal and made an issue. And maybe why no one has been able to answer our queries affirmatively. Good news? Let's hope so.
edited to be clearer, words in bold is pretty close to what I remember the CSR said verbatim.
nymgiants
Addicted Member
posted: Oct. 21, 2006 @ 1:39p
on the bofa website thorugh their online tour it does show billpay as a menu selection
tooshy
Frivolous Member
posted: Oct. 21, 2006 @ 1:50p
nymgiants said: on the bofa website thorugh their online tour it does show billpay as a menu selectionYou're right. I didn't see it either. On second thought, maybe the second CSR didn't understand my question correctly or she is not very familiar with MBNA's billpay since she seemed to be "from BofA". Another point also is maybe MBNA's credit card feature will remain intact but it's billpay will not. She did say all the features of netaccess should remain intact, but we've already seen that BofA billpay is very different from MBNA. So I'm less assured she knows anything more.
The only thing I can be assured of is the part of MBNA billpay which we so love is not a poster child....
The screen on the 10th click shows a link called "Pay an external bill using Bill Pay" under the "I want to..." section on the left. I don't see this link on my Non-MBNA BofA Cards.
Anyone care to speculate?My third post today re this....I should just let it die and take Manuel's position on this....
But I have to agree with hokie94. After dissecting the demo screen, I hold high hopes that "nothing" has changed as the "BofA side" CSR said
Who knows "this" feature may be why BofA likes the MBNA model. Could we be so lucky???
They have shifted the due dates on the MBNA Credit card bills.
Don't let it happen to you.
Xeon852
Senior Member - 1K
posted: Oct. 22, 2006 @ 1:02p
Logged in today and my MBNA branded MBNA card is no longer there, and doesn't show up on BOA yet. I guess that will happen tomorrow.
Looks like BillPay is here to stay for co-branded cards (Merrill+), but I can not use my MBNA card as a payment source anymore. Oh well - I had moved the majority of my credit limit to Merrill+ anyways. This could just mean that it will be accessed through Online Banking instead of Net Access.
Freakazoid
Thrifty Member
posted: Oct. 22, 2006 @ 1:17p
Xeon is right. I tried logging in earlier and it was down. Now only my Fido card is listed. Interesting. I wonder where my MBNA branded card went. Looks like they are making some changed in the BillPay.
cameron2003
Senior Member - 2K
posted: Oct. 22, 2006 @ 1:33p
Freakazoid said: Xeon is right. I tried logging in earlier and it was down. Now only my Fido card is listed. Interesting. I wonder where my MBNA branded card went. Looks like they are making some changed in the BillPay.
SIS predicted this, right down to the day. Im sure it was just a lucky guess though!
Freakazoid
Thrifty Member
posted: Oct. 22, 2006 @ 1:47p
cameron2003 said: Freakazoid said: Xeon is right. I tried logging in earlier and it was down. Now only my Fido card is listed. Interesting. I wonder where my MBNA branded card went. Looks like they are making some changed in the BillPay.
SIS predicted this, right down to the day. Im sure it was just a lucky guess though!
yeah... like he knows anything about these things....
Just kidding!
Well it looks like the site is up and down... so we'll just have to see what the 23rd brings.
jennatx
Senior Member
posted: Oct. 22, 2006 @ 3:31p
The mbnanetaccess website is down but I can now access all co-branded (Fidelity, Schwab) cards at ibsnetaccess.com with all features still the same. This site refers you to enroll in BofA online access for access to other (Bofa/MBNA) cards, but don't see the MBNA cards at the BofA site yet. I believe this is what the email a couple weeks ago stated would occur.
jairocon
Senior Member - 1K
posted: Oct. 22, 2006 @ 3:35p
jennatx said: The mbnanetaccess website is down but I can now access all co-branded (Fidelity, Schwab) cards at ibsnetaccess.com with all features still the same. This site refers you to enroll in BofA online access for access to other (Bofa/MBNA) cards, but don't see the MBNA cards at the BofA site yet. I believe this is what the email a couple weeks ago stated would occur.I only have MBNA branded MBNA card. I was always able to sign in to ibsnetaccess and see the same card info as I had at mbnanetaccess. Now when I try to log into ibsnetaccess - it won't let me and it tells me it doesn't know my username. So I guess this will be bye bye bill pay... (at least for me).
tooshy
Frivolous Member
posted: Oct. 22, 2006 @ 4:01p
What's different this morning at ibsnetaccess? I had to choose a different password since my old one didn't have enough characters. Also as others mentioned all MBNA accounts are vanished (only Charles Schwab left) but everything else is still there including every single non MBNA merchant account on my payee roster.
On the BofA side, what's different this morning is the billpay and ebills site is under construction.** Yesterday, I could view my two BofA accounts on that page. So I am still keeping my fingers crossed (what I meant)....
Also hope the branded MBNA cards don't undergo changes in the future...
edit: Also I noticed ibsnetaccess is not offering $100 for a new Bank of America checking account. Shucks....procrastination may have costed me a nice bonus.
**Under "BillPay and e-bills":
We are currently working on upgrading your Bill Pay and eBill services. You may experience intermittent outages of this functionality while we make these changes. Please check back again later today.
Also as Hokie noted above the "I want to" on the left margin of the site is different:
(BofA) Get paid for referring friends (New) View or print my statement (New) View my account details Make a transfer to pay my credit card, mortgage or loan Manage Alerts
(Demo) Lower my risk of identity theft View my account details Pay a bill from Bank of America or transfer funds between accounts Pay an external bill using billpay
yup....grasping at straws....
tooshy
Frivolous Member
posted: Oct. 22, 2006 @ 4:46p
Under "Transfer funds":
Transfer funds allows you to transfer money between your Bank of America accounts, to the checking and savings accounts of other Bank of America customers, as well as between accounts you may have at other financial institutions and your Bank of America checking and savings accounts.
To start using any of these features, the first step is to apply online for an eligible account. Transfers to other Bank of America customers and between your accounts at other financial institutions must be made from a personal account.
Accounts Owned by you Bank of America accounts owned by you
Make immediate, one-time future-dated or recurring transfers between all of your linked accounts - checking, savings, credit card, mortgage, loan, and line of credit. Allocate payments as regular, principal-only, escrow or payoff as applicable. Review your recent and scheduled transfer history. (NOTE: Your current Online Banking session may time out while you are completing the application process.)
Accounts owned by others Bank of America accounts owned by others
Set up transfers from your personal checking, savings or line of credit accounts to the personal checking or savings accounts of another Bank of America customer.
External Accounts Accounts at other financial institutions
Set up transfers using your personal Bank of America checking and savings accounts and accounts you own at other financial institutions.
Apparently the functionality to use credit card to pay bills will still be there indirectly at least...question is will the transfer from credit card to checking result in interest charges and fees.
Oh so many questions....ughhh.
asdf9876
Happy Member
posted: Oct. 22, 2006 @ 4:50p
tooshy said: Oh so many questions....ughhh.
Go to sleep and don't wake up until tomorrow. Or even better Tuesday so the changeover bugs can be worked out. Of course it is fun to speculate but if you are seriously bothered by it then just put it away, there is nothing you can do between now and tomorrow to change it.
tooshy
Frivolous Member
posted: Oct. 22, 2006 @ 5:00p
asdf9876 said: tooshy said: Oh so many questions....ughhh.
Go to sleep and don't wake up until tomorrow. Or even better Tuesday so the changeover bugs can be worked out. Of course it is fun to speculate but if you are seriously bothered by it then just put it away, there is nothing you can do between now and tomorrow to change it. I thought of that, good advice Better yet...surprise me
Why does it bug me so much? Because it will drastically change the way I pay my bills...I could still use CS until that changes over.
asdf9876
Happy Member
posted: Oct. 22, 2006 @ 5:06p
I just can't wait until tonight. If this is anything like the ED website upgrade or the Yodlee downgrade, it is going to look a lot like this...
11:59 pm on the east coast and status is........ 12:00 am east cost and ........... 12:01 am east coast and..........!!(*&^()*&)* It's the 23rd and it isn't ________, now I'm mad!!!! 12:XX repeat every few minutes with different users, only they will be different because they are using firefox or linux, or have slightly different card 12:00 am central time and................. 12:00 am mountain time........ 12:00 am west coast .........COME ONE, IT'S THE 23RD IN ALL CONTINOUS US TIME ZONES, I'M SO %%$&^%$&^%$& .....
I've been pounding the website 10 times an hour and ______ isn't working and it is already 6 am!!! I'm losing confidence in this fly by night operation. I say we boycott them. Let's call Clark Howard!!!!!
tooshy
Frivolous Member
posted: Oct. 22, 2006 @ 5:11p
That's all I need....to be reminded about the 12:00 bewitching hour....and all the time zone variations. Plus the site may not be ready till October 24, according to the website. Which means more suspense!!
Maybe this was a marketing ploy to garner interest. After all, they sure aren't spelling it out for us.
asdf9876
Happy Member
posted: Oct. 22, 2006 @ 5:13p
tooshy said: Maybe this was a marketing ploy to garner interest. After all, they sure aren't spelling it out for us.
Hahaha, perhaps. Or perhaps 99% of the population has no idea this is going on and most of the 1% doesn't care because it is just a credit card.
tooshy
Frivolous Member
posted: Oct. 22, 2006 @ 5:27p
asdf9876 said: tooshy said: Maybe this was a marketing ploy to garner interest. After all, they sure aren't spelling it out for us.
Hahaha, perhaps. Or perhaps 99% of the population has no idea this is going on and most of the 1% doesn't care because it is just a credit card. NOT TRUE!! What part of the 1% are FWers?? And to boot everyone here is so nonchalant....now that is a troublesome thought. I'd much rather think everyone is waiting watching for the fate of this much coveted billpay. The implant
g10ny said: This is the implant MBNA used to lure BofA in
cameron2003
Senior Member - 2K
posted: Oct. 22, 2006 @ 7:55p
I wonder what will happen with my auto payment to my mortgage, which is to a credit card that no longer shows up...
ArbolLoco
Tired Member
posted: Oct. 22, 2006 @ 8:58p
I'm concerned what's going to happen when BofA figures out that my combined credit lines are $60,000+.
Most of that is BofA CLs... and I only got them that big because I have always had a substantial amount of cash sitting around in my accounts liquid due to the nature of my work.
asdf9876 said: I just can't wait until tonight. If this is anything like the ED website upgrade or the Yodlee downgrade, it is going to look a lot like this...
11:59 pm on the east coast and status is........ 12:00 am east cost and ........... 12:01 am east coast and..........!!(*&^()*&)* It's the 23rd and it isn't ________, now I'm mad!!!! 12:XX repeat every few minutes with different users, only they will be different because they are using firefox or linux, or have slightly different card 12:00 am central time and................. 12:00 am mountain time........ 12:00 am west coast .........COME ONE, IT'S THE 23RD IN ALL CONTINOUS US TIME ZONES, I'M SO %%$&^%$&^%$& .....
I've been pounding the website 10 times an hour and ______ isn't working and it is already 6 am!!! I'm losing confidence in this fly by night operation. I say we boycott them. Let's call Clark Howard!!!!!
I like this type of all-night FWF "parties," helping us to stick together as one big happy family, in good time and bad
Skipping 106 Messages...
Shel
Member
posted: Nov. 2, 2006 @ 1:28p
jairocon said: xerty - all of my billpays are classified that way:
Card Type: Mastercard Transaction Type: ATM Cash Advances or Bank Transaction
My statement closed on 10/27 - and there were no cash advance fees.
My statement closed yesterday (11/1), and based on the reported balance, no fee was chaged.
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