Thanks for the info Schweb! I'm about to send a letter to MBNA myself after finding out about this. My situation: 13 years with the card, ONE 60 day late payment that occurred last October. I had had paper statements turned off and somehow was not receiving my email statements or charge alerts. I was not aware of one single $15.00 charge made and the first i became aware of it was a 60 day letter they finally sent. I paid it along with the gruesome late charge ($41.00). Of course on the phone with customer service when trying to have this straightened out, I was bounced from rep to rep for about 20 minutes, until i finally gave up (ie, they won!) Even though this late payment is in the recent past, i hope they are willing to look at my long record of good payment history and take this off my credit report. JP
Of course, you realize that this post is from 2002? MBNA is now Bank of America. You no longer have an MBNA account, you have a BoA account. You may not experience the same results from BoA. My experience with them has pretty much been that they aren't going to change anything, at least not within the past few years.
Good to talk about the date Hedwig. I no have BoA as they bought out my bank. I have not cancelled my account yet as I have had this account for 25 years, but I do not like BoA. I do a lot of online banking and have in the last several months found that on my BoA online account they have decided to put several charge cards on that I have that are now BoA. They also have decided to up the percentage rate even to great credit customers, as they need to make more money since their Countrywide buy out. The telephone banking has some of the most insane help, and they think New York is part of New England!!! Oh yes, and a quarter year is FOUR MONTHS!!! Woofer
