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MBNA - Pay-by-Phone

MBNA America • Interest rate increases • Payoff agreements • Sales Practices • Credit protection plan • Credit line • Luring students • Pay-by-phone --- News • Bank of America Completes MBNA Buyout • Small Wonder MBNA Found Itself the Prey • Bank of America Buys MBNA • MBNA Profits Plunge • MBNA Turns Up the Heat • Supreme Court OKs MBNA's Charging Interest on Fees

Marlys of Eden Prairie MN (2/6/04):
I received a phone call from a woman with MBNA America credit card company this evening The woman told me I had a $35 delinquent charge from the previous billing cycle. She told me that, in order to keep it out of collections, I needed to pay the $35 over the phone right then. The only payment she would accept was a debit of my checking account -- so I gave her my account info over the phone. Then she told me they would be adding an additional $18 to my credit-card bill -- this, the cost of their phone call to me.

I got this credit card in June of 2003 as an Apple line of credit. I have made my payments on time (sending in a $250 payment seven or more days before the due date) every month. But MBNA sits on the payment until the due date has passed, and then adds a late fee to the next bill. This has happened repeatedly.

I work for a community newspaper. I bought the paper a $900 software application with my MBNA credit. The paper is writing a check to MBNA (to be applied to my bill) in the amount of $50 a month, until the software is paid off. With the bogus $35 late fee every month, I'm making absolutely no headway on getting the software paid off. And each time they claim I'm late, there's a blip on my credit report. I entered into this arangement with MBNA in good faith and feel they are deliberately trying to cheat me out of my hard-earned money. I'm keeping up my end of the agreement; they are not.

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