I guess it depends on the person. They keep trying to get me to go for it, despite the fact I clear my balance every month. I just tell them I would never have any use for it. Doesn't stop them trying again 6 weeks later though ;-)

That really sucks but doesn't suprise me - an ex of mine worked there and he was told to put the payment protection insurance on people's cards unless they said a VERY specific phrase (ie 'no thanks i don't want it' didn't count).

If you can, it might be worth getting a second card and threatening to switch to this user and close your account - they really dont like you to do this (ask to speak to a supervisor they have more power), and it might just mean that they waive some fees/ reduce your interest rate (they did this with me and a late fee once, and again when i threatened just this) - they hate to loose custom; especially now i should think!.

Of course you would need to be able to get a second card as stand-by so it isnt just a bluff, and actually switch if they dont play ball (it might be worth the transfer fee, just to stop MBNA making money off you). GOOD LUCK!

All you can do is join the rest of us bank customers in grumbling.

Usually the fees attract full interest and, when you mix up purchases and several balances, the calculations usually favour the bank.

Hi everyone,

This is situation happened recently to me:

I transferred a balance to a MBNA credit card sometime last year at a promotional rate of 0% until October 2008. On August this year I was offered a 'unique' opportunity to transfer some more money into the same card at a promotional rate until May 2009. However, I had to pay an upfront, one time, fee which I thought that still represented good value.

After receiving the statement in October, I promptly transferred the equivalent to pay my first transfer thinking that my payment would be allocated to pay the oldest debt first. Now I was surprised when I found that the transfer was actually used to pay my second transfer instead and the reason given is that payments are used to pay first the debt with lower interest rate and then the highest rate.

I can't seem to feel that I was mislead by the person which called me to offer the second promotional transfer, as he should have told me that I had no way of clearing off my first debt without paying first the one he was offering me!! Of course I could have benefited of his offer until May next year, but for that I would have had to keep paying interest on my oldest debt at a higher rate.

I keep thinking this is not right but I have no idea of what I can do. I appreciate your comments.

Thanks in advance.
Roy