MBNA Canada レビュー 

MBNA is probably the worst bank and credit card. I am a 30 years experience business man and i have used all of them. MBNA is the worst, and by a mile.
Their biggest issue is that they hold the payments on your card for 10 business days ! I have been with them for 7 years, buying 80k per month and every time I make a payment, they hold it and remove it from my available credit of course. You cant operate a business, have a budget to respect with this card as the payments holds will handcuff you. Their customer service is also the worst, ,there is always nothing they can do on top of saying falsitites and stupidities such it's your bank that's holding the funds for that luck. I am huge client, never one NSF but yet they apply their small and pop rules to all customers, disrupting my business month after month. Angelina a manager I spoke to over there on Aug 31 at 11am was totally useless but you could tell she is not given the tools to help customers out. She is just the unlucky one being yelled at all day cause MBNA only cares about one thing, its profits, not concerned not even a bit about its customers' interests. Once I called to request a credit limit increase (I have 40k and i spend like 80k every month steady for 7 years....) and the answer I got was: ''do you really think we grant credit limit increases in this COVID era ? Not looking at my history for even a minute. I gave up and went and open another card which welcomed me with open arms.

STAY AWAY !!!

I was not happy with this company and decided to pay off my balance and close the account. Before making what I thought would be my last payment, I called to check on any transactions that hadn’t gone through yet (was told there were none), I asked them to calculate interest and then I rounded up, paid the balance and asked them to preemptively close my account. The next statement I received showed that they received my payment, but they charged me interest and apparently there were two more “outstanding” charges. Unhappy, and wanting to just be rid of them, I paid exactly what they said I owed, called customer service, and asked them to send me proof of a zero balance. They assured me that everything was cleared up and my next statement would show zero and that the account was closed.
Imagine me getting a bill from them today for literally $.01. Furious, I logged into my bank app and paid their stupid bogus 1 cent charge, called customer service, and asked for an explanation. I was told it was a “balance transfer” charge, but they couldn’t explain where it came it from. It’s taken over two months of “paying in full” and they are still finding reasons they can’t justify for sending me more bills. The icing on the cake was them sending me a brand new card a full month after I closed the account.
I just cannot get rid of this company and I’m afraid that some day, years from now, a fraction of a cent (deemed still outstanding) will show up on my credit bureau report but with interest will be in the thousands.
MBNA is seriously giving Hotel California vibes. You can check out any time you want, but you can never leave.

Worst Customer Service I have ever experienced. Calls being dropped in the middle of a call. Website is NOT user friendly. Unable to do the balance transfer, which was the reason for applying for the card in the first place. Cancelled my account within an hour of activating it.

Their 0% interest transfer is a total rip off. Applied for a new credit card with the requested balance transfer request at the same time. got approved for a card for the exact amount of the transfer, then they charged the balance transfer fee which put us over the credit limit they gave (cause they only gave the exact amount of the transfer as a limit) and then charged us an over the limit fee. which put us over the limit even further on the first statement thus we will incur another over the limit fee. Horrible customer service.

Worst customer service that I ever experienced. Kept me on hold for 2 hours. Redirect me to wrong department. I have never had such bad customer service. I will be cancelling all my business with MBNA.

Terrible setvice. Long hold times. 20 mins just to be told to phone back another day. When my disputed charge is finally resolved im cancelling this card. Any problem is a hrs on the phone.

Terrible customer experience and service, avoid it at all costs or be ready for long waits.
Their app and website have multiple glitches (one that prevents you to update your mailing address) and haven’t been fixed for more than a year.
Due to the above glitches, my replacement credit card got sent to my old mailing address.

JUST DON'T DO IT!!!! I have been on hold 3x for over 20 minutes each time. like seriously HIRE PEOPLE!!!!!!!!!
The reason for my call, just waiting for new card, and due to error address wasn't 100 complete. I talked to a wonderful person last nite, and you would think yay a human, they can help me.. but alas no she couldn't, because they aren't open, which means I believe she was a call service? She couldn't even help on initial address update without typing to someone. Again she was wonderful, but this BS system is a joke!!
I have to call the fraud department, which technically doesn't exist because regardless of what number you call it all goes to the same place and you are forever on hold.
When as humans have we let greed run our everyday life and everything is automated and it's just a hurry up and wait useless game now. so mbna a division of td, I won't tell anyone a good thing about you, other than the lady last nite was very kind. Your SYSTEM BLOWS.... HIRE ACTUAL PEOPLE,,,,,

Terrible company policies!!!! If i could give them no stars, i would.
-24/7 fraud line is no longer 24/7
-website is not updated to indicate this
-fraud team hours are even shorter than customer service hours
-on hold to fraud line for over 45 minutes
-No way to "freeze" your card yourself on-line*
-3 fraudulent charges occurred before i could talk to anyone

(staff is polite and kind though, when you finally get to talk to one of them, they know they are on a sinking ship, but they have bills to pay like the rest of us, it's certainly not their fault they are short staffed)

Will be cancelling my card with MNBA, as this is unacceptable customer service. (Again, their phone staff is not at fault, it's all company policy)

I have found out MNBA is a division of TD Bank. Which explains a lot to me, as my experiences with TD have been terrible in the past, I cancelled my services with them, too. Again, terrible company policies, staff were generally okay.

Disgusting, considering TD's profit margins. They should re-invest in their own company rather than their own pockets.

*(possibly there is a method to freeze your card if you sign up for mobile banking, but if their on-line and phone service is this terrible, I am certainly not going to risk using their mobile banking app!)

If I am allowed, I will give it 0!!! My card wad locked and called the customer service to reopen it. Stayed on the line for 2 hours but nobody answered. So disappointed 😞 can you imagine if you lost your card or report a fraud and nobody answered the call?!

Agents tend to be unavailable and their online services are problematic

Unable to get past the verification process.
My card is set to expire 09/23.
I called to deal some rewards points and I spent over 40 minutes with3 different people. They explained to me that the new card was in the mail and the expiry date of 09/23 was not correct so they couldn't help me.
The last girl asked, if at any time during the conversation we get disconnected, can she call me back?
I said yes, she verified the number.
When she said that she had to call the security to release the new expiry date, I told her that she could call me back, she told me they don't call back.
At that point we were disconnected.
She hasn't called back.
They were all extremely limited in their functions and were definitely following procedure.
I can see why credit card companies charge so much. They need to pay 3 people to do the work of none.
Very disappointed.
I have had this card for several years
Cancelling card after I cash in all my points.

Call to report stolen credit card. Website says "CALL US IMMEDIATLY" On hold for 2 hours while the stolen card is being used? Seriously?

This company not even deserve any single star. I closed my account for like nearly 6 months and I'm still getting charges. I spoke to agent for explanation and the explanation he provided is not even make any sense.

Us as a consumer does not have a protection for all this type of malpractice. A company like this MBNA should not be patronage by the consumer. Not recommended at all. Don't be fool like me.

I have used their card for 17 years, problem free except for two late payments within a one year period that hiked my rate. My card balances went high when I was preparing a house for sale, so my credit score dropped even though my payment history and all other factors was good. I paid all credit cards to a zero balance, and stopped using them, my credit score was rebounding. Surprised to receive a letter saying the account had been "closed by creditor". When I phoned they said they decided not to renew it, then closed it. I cannot login for statements now, had to request past 12 months by mail.

Account was probably closed by software, so nobody would have looked at it, but somebody could have phoned to get my explanation. My call was a complete waste of time, except to be able to see how badly they disregarded the reality of the situation. They provide an unreliable service, that can be pulled at any time without a valid reason. I have replaced it with a prime rate card on my wife's account at half my previous interest rate, and keeping another card, also at a lower rate. I would never consider applying for their poor service and products again.

So, mbna quietly disabled my wife's card because they said her credit score went below the threshold. She found out about it only when her card got expired and she didn't get a new card. No any notifications about it either. Always paid on time, started paying off the balance and here we go, I can't use it anymore. Good to know how MBNA can backstab you. It's funny because in her card profile she still has some money available to use.

Agent Name Sophie the worst customer service at all. Called on June 16, 2023 talking with here and lack of knowledge she hang up twice my call because she can't answer or help me. So disrespectful. I am so disappointed client here!

My wife reported my card to be missing so, it was cancelled. It turned up at home later that day. I called MBNA to request a new card and was told it would be couriered. Couple of weeks later, still no card recieved so, called again and after all the security questions, on hold for a long time and much frustration, I was told it will be couriered out again! Now, week and a half later, still no card. Called again...all the security questions and was told a card will be sent out a week ago and to call back if I don't receive it by mid next week! Approx one month with no card and always worried about trying to pay for something...I work in London. Absolutely redicuous!!! It time to switch to a different credit card company.

everytime asking a thousand time to type the verification code sent to your phone, for then not going anywhere and you need to do that again over and over and over until at some point, if you have the time to waste in this kind of service and luck, finally will work.
it's insane ! Unfortunately i got stuck with MBNA but i would definately NEVER raccomand it to anyone unless my goal would be to drive them crazy.
I don't even know how thigs like that could exist, this situation is going on for years as far as my experience goes.