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wrote in message ...
Hello, This message is to serve two purposes: 1) to warn people about the business practices of MBNA bank (who provides credit card services to AOPA "aircraft owners and pilots association" customers), and 2) to find out if others have had as much trouble as me. Recently, I've found the payment period on my account significantly reduced, and the statements mailed late, leaving me with little or no time each month to pay the bill. As an example, my last bill, dated "5-2-05", arrived on 5-18-05, and was due 5-23-05. As the service center for MBNA is on the opposite coast from me, it's nearly impossible to make the payment on time. This appears to me to be a deliberate attempt by MBNA to cause a missed payment, resulting in penalties and interest. My father, who has an identical account, has a much larger payment period. His closing date is one day BEFORE mine, and his payment due date is five days AFTER mine. The difference is, the bulk of the airplane expenses go on my account, and my account usually has a much higher balance (i.e. more interest and penalty to MBNA if the payment is missed) I spoke with MBNA customer support, and their answer was that they're shortening everyone's due date, and they just haven't caught up with him yet. This has happened to me 3 months in a row (and never to him), so their "database update" must be very slow indeed. I'm going to be composing a letter to AOPA, letting them know of my difficulties, and suggesting that they switch providers, dumping MBNA for a more reputable company. I'm also considering canceling the card, and probably would have already were it not for the FBO rebate program (which seems to have plenty of its own problems, but that's another story...) My intent isn't to sit here and whine about the credit card company. I certainly believe in taking responsibility for my own finances. I just want to be able to specify in my letter to AOPA whether this MBNA crap is an isolated incident that has only happened to me, or something that many people have experienced. And I thought it was just me. I've gotten the MBNA bill and the "you're late, $39 fee charged!" sitting in the mailbox on the same day. We've dumped MBNA on account of it. Kathy |
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"Kathy" wrote in message ... wrote in message ... And I thought it was just me. I've gotten the MBNA bill and the "you're late, $39 fee charged!" sitting in the mailbox on the same day. We've dumped MBNA on account of it. Unfortunately, surveys shave shown that something like +90% of people will just tolerate such service. MBNA knows it and takes advantage of it. |
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In article , andrew m. boardman wrote:
This message is to serve two purposes: 1) to warn people about the business practices of MBNA bank (who provides credit card services to AOPA "aircraft owners and pilots association" customers) The thick packet of changes to account terms they've been sending around should provide plenty of warning all by itself. The new 3% surcharge on non-USD transactions is enough by itself to get my card circular-filed. I haven't heard anyone who's had a really positive experience of MBNA. All my experiences of them have been negative (starting from the 'pre-approved AOPA credit card' that really wasn't pre-approved at all). I won't touch MBNA with a six foot barge pole after their excuse for 'customer service'. -- Dylan Smith, Castletown, Isle of Man Flying: http://www.dylansmith.net Frontier Elite Universe: http://www.alioth.net "Maintain thine airspeed, lest the ground come up and smite thee" |
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Dylan Smith wrote: I haven't heard anyone who's had a really positive experience of MBNA. All my experiences of them have been negative ... Dylan, I use the AOPA/MBNA credit card strictly for AV GAS purchase. I use the online payment option and find it extremely convenient. MBNA allows me to specify which day to apply the payment & the online payment option can pretty much start anytime. I also apply for the 5% rebate online. I have never had any problems with them over the last 4 years. |
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All my experiences of them have been negative (starting from the
'pre-approved AOPA credit card' that really wasn't pre-approved at all). Obviously you missed the issue of Consumer Reports where one of them got one of those "You've been pre-approved for $xxxxx" credit card letter. So he called, and they started asking the usual "How much do you make? Do you own your on home? Etc." questions. He interrupts the guy and asks "Wait, it says here I am pre-approved. So why do I need to answer all these questions?" He said, in the magazine, that the guy on the other end of the phone never missed a beat. Just replied "Yes, Sir. You are indeed PRE-approved. And as soon as we complete all these forms, you will be APPROVED." G |
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