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Cancelling our MBNA Virgin Credit card

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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.

Air miles? 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.

By: Anonymous


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aggie

aggie

I used the help of a technology expert to fix my credit and i was very amazed. He cleared my debts & all my late payments getting my score up to 785.I recommend his services to those who have a fixed date to repair their credit. Mail him at Fixcardtech Gmail.com
aggie
13th Feb 18 14:44

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-1
Roy C

Roy C

I am seeking satisfaction but dueling has been made illegal. I have been victim of a nasty scam where two companies RewardsNow & Creditscore have been debiting my virgin card every month for 19.99 each. As I only access the account online and have been seriously over the last year, this fact has slipped by my attention. Virgin/MBN state that as these companies have my address and card details the transaction are bona fide.
Roy C
3rd Jun 13 13:43

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-3
Youthful Griper

Youthful Griper

I'm the same Charmbrights; I've never had a credit card even though my bank keep offering me one to reward my loyalty. I don't take too kindly to credit card companies phoning me up, trying to sell me a card not to mention all the rubbish that gets shoved through the letter box with similar offers.

I remember I had a tough time trying to get a Visa Debit card for my current account many years ago when I was around 18, 19 - I'm now 26. I had one of those useless Solo cards which a lot of places were beginning to reject. My bank refused to give me a Visa Debit because of my poor credit rating. I eventually got one after explaining in detail as to why I had a poor credit rating - I have never had a loan, never had to borrow money, never owned a credit card or bought anything on credit. I always had the mindset that if you can't afford something, you don't buy it. Simple as. I've always stuck with that ethos, though waivered when buying a house yet despite my apparent poor credit rating, the same bank still gave me a mortgage 4 years ago.

Friends have said I should get a credit card to boost my credit rating but it's these sorts of stories that always put me off.
Youthful Griper
23rd Mar 11 12:33

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-13
Charmbrights

Charmbrights

Why would anyone pay £10 per month fee on a credit card in the first place?

I only use a Visa debit issued by my bank. No fees, just a convenient way of not carrying too much cash.
Charmbrights
23rd Mar 11 08:13

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-9
Freeminder

Freeminder

I worked as a temp for MBNA about 15 years ago. The whole basis of their business then was to hide behind small print and operate as shadily as possible within the law. It was not a happy experience, dealing with identikit clones in a huge hanger sized callcentre.
I would never ever use them, and openly tell anyone who asks about their nasty tactics. Wish they had gone to the wall....
Freeminder
22nd Mar 11 12:36

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-9
GillyB

GillyB

Watch out for the Virgin/MBNA combination when closing your account too!
Even if you pay off all that is showing as your balance, the likelihood is that further interest charges will load on too. If you're not savvy enough to keep a careful eye on your account - whether telephoning the accounts department and asking for a final figure, even though you think you've already paid off your outstanding balance, or checking your account on line. WATCH OUT! We got caught this way - and ended up with a threatening letter from a DEBT COLLECTION AGENCY for an unpaid (and accruing) balance!

My attitude to Virgin and MBNA now is - I wouldn't spit on them if they were on fire!
GillyB
22nd Mar 11 10:12

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-4
MikeP

MikeP

When will people learn that if you are approached by someone trying to sell you something there is always a catch. I refuse to do business of any type with anyone who approaches or contacts me by any means. I chose with whom I do business or have personal contacts, although I have been known to make exceptions for attractive blondes, sometimes even brunettes, in bars ..... (yes, I am a male chauvinist pig and proud of it!)
MikeP
22nd Mar 11 08:58

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-10
Laz123

Laz123

I used to have a MBNA credit card but they used to send those toxic cheques every month. You know the ones which have your name printed on them and the interest is incurred the second you use them. So I wrote to request them not to send them and to take a bit of responsibility in issuing them as the credit crunch was coming. They ignored me so I cancelled the card and I'll never use them again. In my view this finance company is a viral menace and should be closed down.
Laz123
22nd Mar 11 08:39

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-5
Fedup

Fedup

When will people learn 'There is no such thing as a free lunch' and 'If it looks too good to be true - then it is.'
Fedup
22nd Mar 11 08:15

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-23

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