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Out of the blue comes a cold call from an MBNA salesman. Hello Madam would you like to earn Virgin air miles on an MBNA credit card? Now as it happens we were looking for a credit card which rewarded us with air miles. We spend quite a lot of money in the course of a year and as we fly with Virgin Upper Class to Miami and New York this seemed an ideal opportunity. What threw us off guard was that the call actually started with a discussion of our flying club account (the Virgin Air Miles scheme).
During the course of the phone call no mention was made of American Express, what was focussed on was how the card could be used for our weekly shopping and all the other purchases we make. The card was fee based (£115 per year) but that was fine, we are not averse to fee based cards so long as they come with a benefit. Fast forward a few weeks and 11 purchases into our new credit cards (wife and husband) we have found the weekly shop can't take place so as to enjoy air miles benefits and we are fed up hearing yet another retailer refusing to take American Express. So we called to cancel the card.
If you have to cancel, they will keep the £115
Bear in mind dear reader that at this point we haven't even received our first statement. So imagine our dismay when it turns out that if you have to cancel an MBNA credit card, or should that be cancel an American Express credit card, or indeed should it be cancel a Virgin credit card (so confused are we as to just exactly who's card it is now), they will keep the £115. Yes, that's right folks just over 10 per purchase just for the pleasure of being mislead on a cold call.
Surely MBNA aren't criminals hiding behind dodgy cold calling techniques we thought, so a long conversation ensued with the MBNA call centre culminating with a direct conversation with the current floor manager (can't name him obviously) who whilst claiming to be "extremely sorry I felt that way" i.e. we'd been mis-sold our MBNA credit card, was adamant MBNA were going to keep the £115 fee!
All this has left me with a very bad taste in my mouth to the point where I almost wouldn't fly Virgin Atlantic again because they sell your details to such unscrupulous companies such as MBNA. What a shame that companies can't realise customers are genuinely unhappy and not just changing their mind - though lord knows I spent long enough on the phone explaining to this person the reasons for our cancelling.
Anyway, hopefully you can avoid my angst.