MBNA Canada レビュー 

DO NOT BE FOOLED BY THEIR BALANCE TRANSFER OFFER OF 0% AIR 2% Transfer fee promotion! Lesson learned! It’s the worst promotion ever! If you’re using their MBNA Amazon Mastercard for other purchases that are subject to 21.74% AND did a balance transfer for 0% AIR with 2% transfer fee- good for let’s say 6 months to pay you will be subject to interest regardless of promotion until you pay off EVERYTHING IN FULL! Why? Your payments are first allocated to the “lowest” interest first , which in this case, the 0% AIR and the rest will be towards the high interest which is 21.74%!!! Therefore, YOU WILL INCUR INTEREST EVERY STATEMENT because even if you try to pay your regular purchase and add extra towards your balance- which you’re hoping that it’ll be allocated to the balance transfer, your regular purchase will still have a remaining balance because they don’t set this as a priority to be paid off first! This is how I can explain this further as an example:
Reg purchase (21.74% AIR) $500
Balance transfer (0%AIR promo for 6 months 2% transfer fee) $2000
Your payment: $700
They will allocate $100 towards $500 reg purchase and $600 towards your balance transfer of $2000.
Therefore, your balance of $400 reg purchase will be subject to 21.74% and will not be cleared or you can’t pay it off until you pay your entire balance! You’re hooked! Because even if they say that there’s 0%AIR Promotion, they are still able to get interest by using your regular purchase with HIGH INTEREST as a reason to get one! They’re selling balance transfer to help clients to eliminate high interest, consolidate debts and to help payoff balances faster BUT this obviously is not the case here! It’s only good if you DON’T USE THE MASTERCARD FOR ANY OTHER PURCHASES EXCEPT FOR BALANCE TRANSFER! If you do, they will use the reg purchase to milk the interest!!! This is a warning and I hope that this reaches everyone that uses MBNA Amazon Mastercard! Ridiculous payment allocation policy! It made me feel like I’ve been scammed by this company!

I accepted an MBNA 0% balance transfer offer. I incorrectly assumed I could pay off new purchases and avoid purchase interest. MBNA allocated my payments proportionally between the 0% balance transfer and the purchase balance, which resulted in purchase interest continuing to accrue. The practice may be disclosed in the cardholder agreement, but I found it highly misleading and would strongly advise consumers not to use this card for purchases while carrying a promotional balance transfer.

DO NOT USE THIS CARD FOR PURCHASES WHILE CARRYING A PROMOTIONAL BALANCE TRANSFER. USE A SEPARATE CREDIT CARD FOR PURCHASES OR YOU MAY END UP PAYING INTEREST EVEN AFTER MAKING PAYMENTS THAT YOU EXPECTED WOULD COVER THOSE PURCHASES.

ON HOLD Wait Times are APPALLING!!!!!!!I
Joined MBNA years ago and have remained an exemplitory client for years (MBNA’s words, Not Mine) and in the past few weeks there has been a rash of FRAUDULENT Activities with your product and this is very alarming as a customer, not to mention the inconvenience of canceling my card and being without an EMERGENCY Credit Card available while a new card is issued. To add insult to injury, every time I call MBNA I have to wait On Hold for hours if not days in order to speak to one of your customer service representatives and then get patched through to your Fraud Department (Discovered that there is direct calling access to your Fraud Department but unfortunately it ONLY works in Canada and I travel to Mexico often and there is no Direct Accessibility while I am here, where an EMERGENCY Credit Card is exactly where it is MOST NEEDED). If this is not enough frustration to endure, several times the call has been dropped after I have spent a significant time already, ON Hold - 40mins-1hr! MBNA has really “dropped the ball” in Customer Service and if it continues I will need to find another Credit Card provider as you are not providing proper Security or Service to your customers.
To Improve MBNA’s needs to do the following, ASAP;
1st of all - Develop a more secure verification platform for your customers, the only people that have no problem accessing my credit card information and use it are fraudsters. Mexico has Banks and credit card services available and I have never been the victim of fraud in Mexico and have banked there for over 23 years. Might consider taking a page out of Mexico’s security processes to improve MBNA’s ability to protect your clients or are Mexican bankers simply a lot smarter than Canadian bankers and money lenders? 2) Try adding more employees to handle your recent explosion of issues due to fraudulent activity with MBNA’s services for your On Line Telephone Customer Service because at this time MBNA is failing miserably in this area which makes your customers have a NON-CONFIDENCE opinion of your products and I’m sure I’m not the only client you have that is experiencing this recent MBNA terrible customer security/service and your failure to manage the crisis that is happening now to your clients.

WORST customer service ever. I have been spending 45 min + on hold and I have tried 3 separate times unable to get through. Everywhere says I can activate my card online and it doesn't even show up as an option so I HAVE to call in and I can't use it until I get ahold of someone. As this is my business card, it is directly interfering with my business and income. LIVID and will be changing soon. How have they not improved their customer service after all this time??

Like many others, I've experienced long wait times for poor quality of service. Dropped calls that result in call backs to a wrong number, somehow, even though they shouldn't have any other number on file. Trying for hours to get a simple problem solved. Abysmal.

Mbna is by far the worst I have good credit and got denied a card without reason I got one elsewhere with no issues wish there was an option for zero stars wouldnt recommend

Terrible customer service. Didn’t send expired card replacement.

Customer service is ABSOLUTE GARBAGE. Be prepared to spend 2 hour on the phone when your card gets rejected for every online purchase you try and make. MNBA must have terrible security so they lock the card down every time you try and use it. Be prepared to sit on hold for hours, I'm filling this out while I'm waiting right now.

Truly the worst credit card company in the galaxy. Thieves rang up more than $7000 in fradeulant purchases of World Cup Soccer tickets and MBNA wouldn't even freeze my card, even though they promised to do so. The phone waits are endless, the calls are often dropped. Whoever you get a hold of is powerless to help, and they have to transfer you to someone else, who isn't there. NEVER sign up for this card!!!!!!

Interest free for 1 year! Great experience for me. Anytime I called the hotline, they always answered.I had great customer service unlike other people on here. I made sure to pay my bills on time.And close the account for the due date to avoid any excessive charges. I would definitely recommend this company for those who need to consolidate with the 0 interest. Just remember to pay it off. Before the schedule date and always mark down, when that is on your calendar to avoid excessive charges at closing!
No complaints or concerns for me. Excellent experience and it was a huge relief!

Activated the card and made one purchase and the card was locked. Spent 4 hours trying to contact support and all they said was they would review it and it would take 15-20 business days to resolve. Worst credit card company. Wouldn't recommend to anyone who needs credit any time soon. Mutliple times they said they would call me back but never did. I had to wait 30-60 mins in queue each time just to be told they need a month to resolve it before it becomes usable.

Don’t try this garbage

Absolutely terrible experience with MBNA. A single missed payment of just $15 ended up seriously damaging my credit score. There was no understanding, no flexibility, and no effort to help resolve what was clearly a minor oversight. It's shocking that such a small amount can have such a lasting financial impact.

Customer service was disappointing and offered no meaningful solution. Instead of valuing customers and using common sense, MBNA chose the harshest possible approach. If you're looking for a credit card company that treats customers fairly and is willing to work with them when honest mistakes happen, I would look elsewhere.

SOMEONE TRIED TO USE MY CREDIT CARD IN ITALY. I CALLED THE FRAUD DEPARTMENT YESTERDAY I WAS ON LINE FOR AN HOUR. NO BODY ANSWERED. SPOKE WITH CUSTOMER SERVICE AND WAS TOLD TO CALL AT 10 AM . HERE I AM OVER 30 MINUTE WAITING AND NOBODY ANSWERS. IS THIS THE WAY TO GREAT YOU PAYING CUSTOMERS, THE ONES THAT KEEP YOU IN BUSINESS? IF YOUR FRAUD DEPARTMENT IS SET UP SUCH WAY YOU DO NOT WANT TO SPEAK OR HELP LET US KNOW OR SET UP YOU WEBSITE SUCH A WAY DISPUTES CAN BE RESOLVED ON LINE. IF YOU HIRE A DECENT IT PERSON IT CAN SET IT UP. THE BASIC WORK IS ALREADY DONE! ALSO I DO NOT THINK YOUR FRAUD DEPARTMENT IS STAFFED.

If a zero or negative rating was possible, they would surely merit it. Cancelled card 5 months ago due to fraudulent non card present transactions out of province. I had to call fraud dept 5 times and waited total of 4.5 hours on hold to no resolve, no answer, hang-ups... wtf... 5 months later still no new card in the mail and i get call regarding additional fraudulent charge attempts. I ask, did we not cancel this card 5 months ago... story not over. They keep me on the phone for 45 mins, asking me to wait for a text in order to dispute charges. I finally say, can you not just call me back when your system is working and you actually send out text.... ok, kicker... 3 days later, no text, no response, and I'm sitting here in hold for the last 30 mins to make another attempt at resolving issue... repeating message while on hold, "thank you for your patience, we are currently experiencing a high call volume..."... THE ABSOLUTE WORST CC company.. worst.. no words to describe the incompetency and outdated csr practices. dont walk, run away... DO NOT DO BUSINESS with MBNA...

Terrible customer service. Constant hang ups no resolution of anything… takes about 100 minutes to verify you and then boom, they hang up every single time

I will give zero stars if I can.
I had an issue with the redemption of a gift card balance. I didn't have enough points, but was more than happy to cover the difference.
It didn't go thru, but I was charged twice.
I called customer service for help.
Transferred me to the rewards department, who has now transferred me back to the customer service (different number what's on stated on the notifications whenever a transaction happens).
I ended up wasting my time with this AI agent who basically told me to fill out a form.
I wasted 40 minutes in this whole ordeal, when I realized the charges are still pending, so I can't really dispute it. YET neither 2 representatives, provided the correct answer.
Another thing, the rewards rep told me my profile was incomplete. I was missing a phone number. I looked at my account via the app again, and I did have my phone #.
What a waste of time!

I have been a client of mbna for 20yrs and service was always great until recently. For the first time I have fraudulent charges on my card and needed their assistance in getting this taken care of. I called in April 2026 advised that fraud charges would be reversed and someone from the fraud department would be calling me back and also sending me a new credit card. It is now June 2026 and still have not received a phone call and when I called and was on hold for an extended period of time, was told to call the fraud department who after a long hold time was unable to assist me. MBNA has people answering phone lines who aren't able to assist you. Is that the best use of their company money? Paying people to say they cant help? In addition to not being helpful?

Negative stars for this credit card company. Got the card approved and when ordered stuff through Amazon,it got declined. Called to activate abd had to wait 2 hours on call only tonget asked intrusive verification questions about all my other credit cards and their details and personal info qhich they have no buainess to ask just to activate their stupid card. Finally after all the questions, the lady Nour on call said they will call back all of a sudden with no explanation and hjng up on me. Great Way to treat first time new customer. Then I called back and another person verified me with another bunch of questions only to get transferred to.previous lady Nour and get asked more details about all of my other personal credit cards for no reason and again they said they will call back and hung up even when asked.for supervisor. Got a call back later saying now my card is activated after all this frustration and rude treatment firat time by any credit card company as if i am trying to steal their money. I straight away asked to cancel the stupid card and asked them if they are trained to talk like Robots to customers. Also asked them for supervisor which they denied. I said their company will go out of busineas for treating customers like shit and told hope my call get recorded and they get trained or fired for treating customers like this and being RUDE. Cancelled the card and the headache out of my life.

If they had a zero i would give them below that!!! Got the card through Amazon they say you can use it now before you get the card. Just kept saying order revise payment called the bank sent me to fraud dept they say it is cleared up only to have amazon do the same thing called again they cleared it then say wait to get your card get card get card same thing they refuse payment send me to fraud dept !! ridculous i canceled the card and they can shove it where the sun dont shine idiots wast of time do not apply with this company it should be ashamed of themself but i can guess nothing will ever change .
Canceled the card the same day i got it!!!!!!By the way i was approved right away !!!!