I got a 15k loan from them with a intrest rate of 19.99%...I never really used the account except for a couple times but paid it right back..I sent a letter via mail and noticed on statment they lowered it to 15.96%... How Sweet! P.S I sent them a letter via Planet Feedback to onvert it to the mbna card but never got a responce from them.,
I'M NOT AN EXPERT ON IT...but I think you have to APPLY for a MBNA CREDIT CARD, then have the credit limit from the "GOLD OPTION" transferred to your credit card account...and close the "GOLD OPTION" accoount...
I applied for this and was approved a few weeks ago. I was approved for $15,000 @ 13.99%. They pulled TU and my TU score was 579. I have two accounts 3 and 4 years old(closed/paid in full) that show approx. six 30 day lates. they appear in the negative account area on the report. After applying online I called 2 days later and spoke to a credit underwriter. She asked me what I needed the loan for, I told her BT's and home improvement, and I was approved over the phone. I received my welcome package with checks within 10 days. I cashed one already and it showed in my account within 2 days. They have great account online service. Smooth as butter!
They sent FOUR live, blank checks to my house for the Gold option account. Problem is those checks were for the previous owner!!! They even filled-in one of the checks for $9,950 payable to "cash" with the prior owner's information!!! Lucky for all of them I have a paper shredder!!!!
I got this account some time back but i know that my experian score was around 670 area..Also was approved online if my memory is correct.
I got Apple Insant Loan two years ago and they approved me for $5500 with 14.99% fixed APR. I used a couple of times for writing the advance checks. They raised my credit limit to $6100 and they lowered my rate to 10.96% fixed. Recently I bought a Apple Computer on this loan and I still owe about $700 on it. Ron.
I converted mine into a MBNA Select rewards card. It's like 11.9% APR with 1.7% for 6 months , nothing special. I dont even use it.