edit: since pay with cc option kaput--Any trick for getting former MBNA Billpay post-merger? other Billpay recommend?

Like the good dweeb that i am, i did not enroll pre-10/23...the card is Harrah's Total Rewards, which is not accessible thru the isbn site, only boa site.

Just spent one hour on hold thru different CS levels @ boa(including former Mbna employees)-- they don't seem to like the pay w/ CC option. MBNA # is no help...

I'm likely SOL.

BTW i've been thru the different Billpay threads here...any recommend for a free Billpay that allows utilizing CC? There are others that do, BUT....for instance, Chase: listed on their sites, will not allow to be payed thru them with CC....& yeah, i know Chase underwrites a coupla them.

Anyone able to pay Chase cards thru another Billpay while utilizing another card?

Thanks so much in advance,

charles moron

EDIT: edited title to reflect that pay with cc option going away eventually AND that it's not available if you did not enroll your mbna card with it pre 10-23

per BOA cs: "one needs to have signed up "before 10/23" for the mbna billpay to be grandfathered in with that option(pay with cc)...

those who have will still be able to use that feature "FOR THE TIME BEING".

It looks like you can keep using bill pay only on the BOFA cards which have been transferred from MBNA. When I login to BOFA on-line and select bill pay I have two choices, regular bill pay (using checking account) and "mbna type bill pay" which has option to pay with CC. For the latter I can only select the cards which have been acquired by BOFA. The only card I have which was originally issued by BOFA(choice privileges) can not be used for bill pay.

You can still use cards that are managed by FIA for bill pay:
Fidelity
Merrill
Schwabb
Wachovia
Currently I only use FIA bill pay, since BOFA bill pay is down half the time.

if you don't have any, be sure to add a couple to your next app-o-rama list.
Does schwabb still offer $100?

On a related note: I was able to consolidate the MBNA world points card which was transferred to BOFA in to the Fidelity card. I've called FIA card services and asked if I could move CL from BOFA card to Fidelity they said the only way they can do it is by closing BOFA card and moving all CL to Fidelity.

fotomaniak said: The only card I have which was originally issued by BOFA(choice privileges) can not be used for bill pay.

Currently I only use FIA bill pay, since BOFA bill pay is down half the time.


Thats odd my card which was originally issued by BOA appears on Bill Pay, also FIA Bill Pay and BOA Bill both take you to the same address: https://chpayment.mbnanetaccess.com

g10ny said: OP's issue is related to noth have been accessed the MBNA BillPay before the site's move to BofA's system.

Is there such an issue of not being able to use MBNA BillPay if you haven't used it before the website merger? The answer would have serious implications to decisions of applying for other MBNA type cards in the future, since even if you acquire them, you won't be able to use them to pay cards and bills, they're kinda useless.

OP, is this what you're saying?

That's the question I have. I signed up for an MBNA card from the MBNA website. However, by the time I got it the very first time I could log on was the BoA website, never having logged into MBNA.com. I have scoured every menu on the BoA website while logged in. The only options for bill pay sources are checking and savings accounts.

By the way I've had a Schwab card for almost a year and I've never been eligible for Bill-Pay by credit card. So that isn't an answer either.

fotomaniak said: which card is it? World Points?
BOFA bill pay is down again, I'll double check when it comes back up.

yes the adress is the same, but the list of cards that can be used is different FIA only offers Fidelity, Schwabb, Merrill, Wachovia and BOFA offers the rest.

The card is a plain old BOA Platinum Visa, I was surprised to see it in the list of cards on the bill pay homepage, the only way to see info on this card was by going to BOA website, it could not be accessed by going to the old MBNA net access.

g10ny said: OP's issue is related to noth have been accessed the MBNA BillPay before the site's move to BofA's system.

Is there such an issue of not being able to use MBNA BillPay if you haven't used it before the website merger? The answer would have serious implications to decisions of applying for other MBNA type cards in the future, since even if you acquire them, you won't be able to use them to pay cards and bills, they're kinda useless.

OP, is this what you're saying?
Firstly, thanks for all answers & sorry for late reply.

Secondly: thanks fotomaniak-- may just apply for a fia card & hopefully be then able to have the original-type mbna billpay.

Thirdly: YES g10ny!!! Billpay option now ONLY lists as option to pay from the bank accounts(s).

EDIT: per BOA cs: one needs to have signed up "before 10/23" for the mbna billpay to be grandfathered in with that option(pay with cc).

ALSO: those who have will still be able to use that feature "FOR THE TIME BEING".

I would guess they will do away with that option altogether sooner or later....why i asked about any other billpay(with cc to unlimited providers) recommends!!!

AGAIN: thanks for all your answers & let's try to come with other options/tricks/workarounds to overcome that eventual option's demise.
FOR INSTANCE: has "pay to anyone" option(& then pay bills from there) been a viable/practical solution to anyone?

bump(first & last) for any other possible suggests........

^^^This does not surprise me at all, why would BOA want to allow you to pay bills with their credit card if you also have a checking account with them? They would steer you to a checking account instead.

Thank you ProfessorEd. I wonder if closing the bank accounts(after bonus in hand) would return the cc option...

Good news.

My access to the old mbna bill pay reappeared this morning.

The major difference is that it was labeled mbna/BOA rather than just BOA.


This site included all of my old mbna cards (including those I can accesss through the FIA site).This is convenent when one wishes to use all of your cards.

Logging on a few minutes ago I ould reach bill pay via credit card and it worked, but it only offered me options involving certain BOA branded ex-mbna cards. The site was branded BOA.

The bug still exists that if you click on Accounts (such as to see what credit limit a card has) it brings me to the FIA site with information on those cards. This can be woked around by opening a separate window for the BOA cards, but this is a nuisance. BOA very quickly logs you out for inactivity, forcing you to go through a multi-step procedure to go back in. You are constantly bouncing from one site to the other, relogging in.

I wish I understood just what was happening so I could plan. I am not certain what got my problem corrected. the account representative had said he would talk to his supervisor, and perhaps someone decided to change things, but that is just a guess.

For others the lesson might be to be careful and at a minimum to print out a list of scheduled payments before doing anything that might disrupt them.

cameron2003 said: bankofamerica.com gives me billpay with a MBNA card that moved over and a pre-existing BOFA card.

Are you sure you can use the pre-existing BOFA card as a funding source in the (MBNA)BillPay system?
If so that would be a very GOOD news.
thx.

In response to cameron2003

I did reach a web site labeled with both MBNA and BOA once,and with all my ex MBNA cards, but I have been unable to reach it again. I assume this was sometype of programming error on BOA's part that has been corrected.

Currently, I can reach the FIA site for the Fidelity and Schwab cards and from the BOA site bill pay with old MBNA cards for other old MBNA cards, such as the Major League baseball one. Each gives you access to different cards with all that are now branded BOA being via the BOA site (but only the old MBNA cards can be used for bill pay).

The BOA site on the scheduled payments list the FIA cards scheduled to be paid from banks, but there is no option to change the bank. However, you can cancel the payment (presumably to pay it from you BOA account via transfer). I do not know what happens if you have a BOA branded ex MBNA card as to whether you can choose to pay it from another bank account. BOA is obviusly trying to force you to pay it from the BOA banking accounts (although there is another site you can use to pay from other bank accounts), which might lead to you keep more money in their accounts. This appears an excercie of market power by BOA which raises some legal questions of trying to use their market power in cards to promote their banking business. Of course, I may be just seeing programming errors that reflect no particular policy. All most confusing.

From the either site I may have the option of choosing any of my linked bank accounts to pay the cards. This is convenient since I may not have the funds in BOA to pay a bill. In my case, I have a CITI 5% account (also a small ING account)and it is more profitable to hold money needed to pay bills in such a high interest rate account (which pays more than BOA saving). It appears that the bnk payments set up on one site can only be changed from that site. From the other site they can seen, but can only be canceled.

The flexability to decide to use a bank rather than a credit card (possibly because you are at the credit limit for the card or near the statement date and do not want the card to report high utilization to reporting agencies) and to choose which bank to pay bills from, argues for using one site as far as practical, and for making that site the one with the credit cards you are most likely to use for ordinary spending (since that one will have to be paid by bank in any case).

I have noticed frequent unavalability in the BOA card paying site (probably linked to the dififcult system transition problems they are having). The FIA site appears to be the old MBNA net access site rebranded (legally I gather FIA appears to an older part of MBNA)and I doubt if it raises such difficult informaiton system issues (it is relatively easy to change the logo that appears on the top of a screen while leaving the rest functioning as before.

I have also noticed that going to accounts from the BOA card paying site automatically takes you to the FIA accounts site even if you start out from the BOA card paying site. The sites seem to randomly change brand names and properties in a way I do not understand (possibly affected by which you most recently logged on to, with a switch set as to which bill paying site to direct you to).

Thus, it appears for those that have a choice, the FIA site is the best to use. Since BOA now allows you to move credit line from card to card (including from BOA branded cards to FIA branded cards), many may want to move most credit lines to the FIA site, and then to use that one preferentially. At least for me the Fidelity card (2% rebates) is frequently used and accessed from that site.

The major exception may be those whose only bank is BOA, or who use BOA as their major bank (possibly because of a convenient location).

A few with only one FIA card (and also one or more BOA branded ex-MBNA cards)may want to make some payment from their BOA branded cards to get a few extra days of float (being usre the BOA branded card's cycle closes on a different date then the FIA branded one, and then choosing the card that provides the most extra float).

It appears to me that there is no way to add new cards to either of these sites.

If I am right that indicates that BOA does not find the billpay service profitable. The major profits from it cme from those who carrying balances and are induced to carry larger balances by being able to pay bills from their credt cards.th major cost comes from those who pay their bills by the due date and who thus get interest free float at BOA's cost. A probably less important beenfit of the service is that it made the MBNA cards more attractive, and some who got cards at least partially for the bill pay service also used it for other purposes which generated profits. The cost of supplying the service to those who pay their bills by the due date rises as the level of interest rates rise. I suspect the profits from those who carry a balance stay roughly constant as interst rates rise (the interest rates the customers pay goes up as the rates BOA has to pay for monye go up). thus, in the current period of higher interest rates than when the service was started, the service is probably less profitable to BOA than it was to MBNA when started.

If BOA has chosen not to open this service to new customers (even those with newly issued cards), it suggests they do not like it and will probably eventually eliminate it or restrict it. If this analysis is right, it might encourage some to be a little more aggressive in using it.If you are eventually to lose it in any case, having them decline to let you use it for excessive use (if that is possible)or uses they disapprove of, may involve loss of perhaps a year of the service rather than several years use.

Since you cannot get it back once lost, it also argues for not closing any cards that have access to the service.

Perhaps some one who has just recently obtained say a Fidelity card can confirm that it cannot be signed up for the bill pay service.

They're messing again with the MBNA BillPay. I can't access it right now, nor can I access the credit cards.
Yesterday I just canceled the automatic BillPay to/from the MBNA cards I have, I felt safer. I still hope it will come back.

happyyuppie said: Today when I tried to access MBNA billpay, a message was displayed saying that they detected my other Bank of American accounts (which I opened long before the merger) and asked me to enter the ATM card # and pin. After I provided the requested info (it didn't let me skip it when I tried), a message was displayed saying that my BillPay had been "upgraded" and all scheduled payments had been cancelled (Ouch!) and I might not be able to view payment history for the next 24 hours. Sure enough, when I logged into Online Banking and clicked BillPay, it said I didn't have an account available for BillPay. Listed on the overview page were a couple of my former MBNA cards, a BofA card and a BofA checking account. I will see what happens tomorrow.

I was able to access MBNA BillPay a couple of days ago, I think.

Any update on this?
Thanks.

MBNA bill pay fine and dandy here, knock wood with crossed fingers.

Glad I read about them switching to checking account if opened, otherwise may well have set DW up with checking and savings for $125. Save way more than that every month plus convenience. Can't be because they're profitable accounts at least in the traditional sense, since the only things we use them for is bill pay and to order from LL Bean for free shipping.

QueenieB said: My "grandfathered" MBNA Fidelity 529 Mastercard has disappeared from BofA's BillPayChoice within the past few days. No history, nothing, like it was never there. I e-mailed BofA and will post the results.
Through bankofamerica.com or ibsnetaccess?

My Merrill+ still works through ibsnetaccess, and my World Points though boa.com, and I can see payment history for both cards through both sites, but I can only initiate payments through the corresponding site for each card.

Maybe it's related. A few days ago I wanted to pay my dormant BofA card (haven't used it for more than a year until a few weeks ago), and it was already gone from the BofA system, so I had to set it up again.
But you can always set up payment from the card's side, that's what I do with my Fidelity card.

hypochondriac said: Can you pay a mortgage with a cc? Some posts mention using bill pay. I tried looking it up but couldn't find information about it. I have citi mortgage can someone tell me how to use my credit card to pay it.

Do you have former MBNA (now Bank of America) CC? Did you read this thread aka from the title "former MBNA Billpay". If you have one of those cards you can use the billpay feature to paybills, it doesn't get rewards, but it does allow free float during the grace period.

hypochondriac said: Can you pay a mortgage with a cc? Some posts mention using bill pay. I tried looking it up but couldn't find information about it. I have citi mortgage can someone tell me how to use my credit card to pay it.

Yeah, the mortgage payment for a rental property was on the Fidelity 529 card funded through MBNA BillPayChoice (free 3 week float). I had it set up through September '07, now it's gone and correct me if I'm wrong, but now there is no fee-free way to do this.

you know that float from fia to mbna sounds like kiting. i think thats a criminal charge.