Re: Re: Re: Re: Re: MBNA Quantum Li Thats weird. My promotional rate is 1.7 but my regular rate is almost 18%. My CL is in the 20s.
Re: Re: Re: Re: Re: Re: MBNA Quantum Li MINE IS QUANTUM 3.70% BT WITH A "GO-TO" 8.90% PFB OR CALL THAT 18% AWAY!!!
Re: Re: Re: Re: Re: Re: MBNA Quantu Luxury4me, I think your MBNA card rate is too high. My Quantum Card APR is 9.9 fixed and Elite Rewards Platinum Visa is 8.9% fixed. I don't think that they have any card having 18% and called them to lower your rate. On the websites they have 11.99%,12.99 and 13.99% is the most. Ron.
Re: Re: Re: Re: Re: Re: MBNA Quantu I'm embarassed to admit it, but I've never tried calling them to ask for a rate decrease. I've never paid them late and I've kept the same rate from the time I started about 5 or 6 years ago. I guess I've been focusing too much on the CL increases and not enough on the interest rates. I admit I would rather have the high limit than a low rate, but I guess there really is no reason I cant have both.
Re: Re: Re: Re: Re: Re: Re: MBNA Qu luxury4me, You don't need to ask for CL increase for your MBNA credit cards and they will increase your limit every 3 to 4 months without asking. Ron.
Re: Re: Re: Re: Re: Re: Re: Re: MBN Does MBNA give automatic increases to LOC's as well? Or only to CC's? that would be a major difference to me in my search for "Is a LOC better then a CC" grapple that i'm having...
Re: Re: Re: Re: Re: Re: Re: Re: MBN Whats the real advantage of a LOC over a CC anyway? CC seem much more convenient as you have both the card and checks. Why would you prefer the LOC?
Re: Re: Re: Re: Re: Re: Re: Re: MBN for cheaper cash advances? I dunno, there must be a reason why people pick LOC's....
Re: Re: Re: Re: Re: Re: Re: Re: Re: Nestea, Yes, they do. Not as much times as credit card. I just only increased twice for my Apple Instant Loan for last two years. Ron.
Re: Re: Re: Re: Re: Re: Re: Re: Re: Hey Ron, I've got my Quantum 7 months ago and use it rarely. Do you know if they charge any ATM fee or cash advance checks fee on Quantum ??? I believe that someone mentioned somewhere there is- none.
Re: Re: Re: Re: Re: Re: Re: Re: Re: Hey Ron, If you don't mind, you're email is turned off here. Could you shoot me an email if you have a chance? Thanks
Re: Re: Re: Re: Re: Re: Re: Re: Re: I have Quantum Card for two years and use it monthly. I don't know they charge ATM fee and cahs advance fee. They sent me those 4.7% fixed BT checks that came with 3% transaction fee. I never take cash advance on my cash back or rewards card except my Discover Card BT checks 0% no fee. Ron.
Re: Re: Re: Re: Re: Re: Re: Re: MBN I picked LOC for purchasing a computer and sometimes they offer lower APR like 5.99% for 3 to 6 months. Ron.
Re: Re: Re: Re: Re: Re: Re: Re: MBN how big is your LOC? My wife has perfect credit but like 15 inquiries, what amount shoudl I ask for on an instant approval LOC? I myself have a 5500 bluenile.com LOC, and a 3500 Apple LOC. (that's how much I requested...)
Re: Re: Re: Re: Re: Re: Re: Re: MBN They don't charge a fee if you use the cash machine, but charge 3%, 5 dollar min, if you use the check.
Re: Re: Re: Re: Re: Re: Re: Re: MBN Nestea, They approved me for Apple Instant Loan for $5500 and they increased limit into $6500 last October. Not much increase for LOC and I got more increase for my Quantum and Elite Rewards Visa. I got them for every 3 to 4 months without asking. They give me 9.9% fixed APR for Quantum and 8.9% fixed APR for Elite Rewards Visa. I heard they can convert LOC into credit card of your choice. By the way, you need $10,000 CL in order to convert into Quantum Card. Ron.
Re: Re: Re: Re: Re: Re: Re: Re: Re: MBN I am assuming this is when you have a CC? when you have a LOC, isnt the only way to access your LOC CL with checks??
Re: Re: Re: Re: Re: Re: Re: Re: Re: MBNA always charge checks transaction charge and there is no grace period for access checks. By purchasing computers or merchandise, you don't get any grace period like a loan. Ron.
