consider it motivation to pay off the entire amount every month.
then interest rates, etc. are irrelevant.

Rule #1 in Financial Life: Never, EVER charge more in any given month than
you can afford to pay back.

Follow this rule, and all the changes MBNA (or anyone else, for that matter)
makes become irrelevant.
--
Jay Honeck
Iowa City, IA
Pathfinder N56993
www.AlexisParkInn.com
"Your Aviation Destination"