New VS Credit Card Details

I had a 'lloyds' amex card - it owuldn't show up in the Amex Web Site for on-line management as it was only marketed as an amex card and wasnt really a 'proper' one. Is this the same thing?

[preiffer]

I would expect so, MF - it's an MBNA card, and they're the issuer (not Amex).

They're asking people to use the virginmoney.com site to manage their accounts.

I just logged on to check my Mastercard details online at the MBNA site. All the details have now changed to reflect the new Amex card, and all the logo's have also changed on the site, look's much better now!

Still waiting for the actual card though.

Well if its MBNA I wont be getting one. Ive never had a late payment charge from amex since 1985 when I got my first green card. I got one from mbna however last month. So if you get this card make sure you dont miss a payment - even though I made the payment electronically on their web site it showed up one day late on my bmi mbna card statement and they charged me £25 plus £8 interest.

(I closed it the next day).

[preiffer]

Umm...

The payment was late, they charged a late payment fee [:?]


I'm not sure that's down to MBNA [?]

I just logged on to check my Mastercard details online at the MBNA site. All the details have now changed to reflect the new Amex card, and all the logo's have also changed on the site, look's much better now!

Still waiting for the actual card though.

Yes, I've just looked at mine and seen details have been changed - it looks as if the account number will have changed as well, as the 6 digits shown are different to my mastercard.

I think I'm going to have to call them tomorrow though, to get a reply to my query.

No preiffer it wasnt down to MBNA at all and it was late according to their terms and conditions. (I paid it on a Saturday online on their website and it was due Tuesday but didnt get applied till Wednesday (I think that was it))

Ive spent an absolute load of money on the card in the past 12 months and never ever been late so I would have thought it was worth some leeway. According to them It wasnt. I decided probably emotionally that they werent worth the leeway either so I closed it

[mitchja]

That could be interesting when it comes to paying online this month using my bank's pay bill system as the account details are now different (ie different card number).

I've fallen into that trap before now as even if MBNA's sort code and account number are the same, sometimes when your card number/account number changes you payment goes into a holding pen at their end as it cannot find which account to go into.

Think I'll pay this months amount using MBNA's online debit card payment system just to be sure. Once I recive my next statement I'll update my banks online payment details accordingly.

Oh or I could always do it the old fashioned way, by posting a cheque to them [:0] Does anyone still do it that way!!! I've not done that for years now.

Regards

[preiffer]

According to their blurb, James, all DD mandates are being "transferred automatically" - so if there's any screw up, it'll be their fault. Although if you don't do the DD thing, I guess there could be some complication.

I understand where you're coming from, MF - and yes, it's annoying if you're a great customer for ages and they penalise you for the first ever hiccup, but banks have a habit of doing that in general. Only one safe place for your money : under the mattress.

The easiest way to make sure the payment gets there is to go to your bank with the bill and either pay over the counter with a cheque or cash. I think these days it has to be your own bank or MBNA's bank - which I think is the Co-op.

[i]
Think I'll pay this months amount using MBNA's online debit card payment system just to be sure. Once I recive my next statement I'll update my banks online payment details accordingly.

Oh or I could always do it the old fashioned way, by posting a cheque to them [:0] Does anyone still do it that way!!! I've not done that for years now.

I often have to resort to paying by cheque! Let me qualify that by saying I prefer to pay online via my switch card, but, for reasons best known to itself, if my balance is above a certain amount, payment doesn't get authorised. I've spoken to my bank who can offer no better advice than to pay the balance in chunks - well, fiddlesticks (does anyone say that any more???) to that - I might just ask well trudge to my bank in my lunch hour and pay in that way. I have to admit, I didn't ever have this problem before I had a Virgin card - must be something to do with it being MBNA backed....

Technology, huh???

I understand where you're coming from, MF - and yes, it's annoying if you're a great customer for ages and they penalise you for the first ever hiccup, but banks have a habit of doing that in general.

And if they screw up and it's their fault, demand your money back, and compensation as well!

[Scrooge]

Originally posted by MarkJ
The easiest way to make sure the payment gets there is to go to your bank with the bill and either pay over the counter with a cheque or cash. I think these days it has to be your own bank or MBNA's bank - which I think is the Co-op.

That is unless it's citibank who some how managed to lose a payment I made in cash to them that resulted in one of my better hissy fit's being thrown.

When they jacked the rate on my card from 7% to 19.99% because of their mistake they got an even better one

[mcmbenjamin]

Check your crdit report too Dave. One free a year in these modern days...

Bank of America is pretty good. They have a pretty good offer now; $50.00 for signing up and ~7%APR after the 12 month 0% intro.

[RichardMannion]

I'd forgotten how stupid MBNA is - I just called to convert my card, and shift it from the old classic (no fee) card to the new Black Card with the fee - and they are telling me that I can't do that. I can apply for Black (via a whole new application) but can only be conveerted to the White card as that is what I mailed. They banged on about eligibilty - yet the cards are the same.

After speaking to a supervisor, it comes down to terms - because I now have to pay an annual fee I have to faff around with a whole new app, but yet if I want to take the White Card with just a big as change in conditions with the now reduced payment window of 46 days then thats all fine. Idiots.

Think I'll stick to my real AmEx card, why VS ever chose to continue with MBNA is beyond me, abysmal customer service.

Thanks,
Richard

I just got my email from Virgin - only a week late[}:)]

Originally posted by mitchja
Oh or I could always do it the old fashioned way, by posting a cheque to them [:0] Does anyone still do it that way!!! I've not done that for years now.

Regards

I don't think many people do. Could you imagine the amount of money they could save by not sending out those envelopes with every statement that most people throw away. It's not even that they're freepost! Just think they could even reduce the annual fee by saving on envelopes!!!!

Just called to get my payment date changed - they tried to sell me payment protection insurance! I have a pathological distrust of this sort of thing (along with 'insurance' when you by a tv or whatever) - but am curious about a comment he made. Along the lines of 'will protect you against card theft - isn't this the same as if your card is cloned in some way? I assume they would act in the same way as other banks if this happened????

Disgruntled....[:(!]

[mitchja]

Claire

'ID Theft' is different than the standard insurance that you can have with your credit card.

The standard insurance offeres protection against illness or redundancy - where they will 'techically' pay your minimum balance every month for a certain period.

ID Theft insurance is different and is supposed to cover you in the event of card skimming (where your magnetic strip on your card is copied either by a false front on an ATM or a handheld skimmer) which can lead to full blown ID theft. Chip&PIN has reduced this but still can be got round.

I refuse point blank to pay for this type insurance as there's very little the card issuer would do in this situation anyway other than cancel the card. Every card company should offer every card holder this service for free.

Regards

Originally posted by mitchja
Claire

'ID Theft' is different than the standard insurance that you can have with your credit card.

The standard insurance offeres protection against illness or redundancy - where they will 'techically' pay your minimum balance every month for a certain period.

ID Theft insurance is different and is supposed to cover you in the event of card skimming (where your magnetic strip on your card is copied either by a false front on an ATM or a handheld skimmer) which can lead to full blown ID theft. Chip&PIN has reduced this but still can be got round.

I refuse point blank to pay for this type insurance as there's very little the card issuer would do in this situation anyway other than cancel the card. Every card company should offer every card holder this service for free.

Regards

MBNA have refunded me money when my card was skimmed, it was charged for a night at the Embassy Suite LAX when I was in the Grand Canyon! They made me fill a form in and then refunded the money. The scary thing was that they also nicked my HHonors ID and I could see the invoice including room service on my e-folio part of the hhonors website.

My card number was skimmed not that long ago. MBNA sorted it out within a matter of days, but now that I have a new card number I need to check that it set up with my flying club account properly. Does anyone know the number that I have to ring?

anyone got their new card yet?

[i'ID Theft' is different than the standard insurance that you can have with your credit card.

The standard insurance offeres protection against illness or redundancy - where they will 'techically' pay your minimum balance every month for a certain period.

ID Theft insurance is different and is supposed to cover you in the event of card skimming (where your magnetic strip on your card is copied either by a false front on an ATM or a handheld skimmer) which can lead to full blown ID theft. Chip&PIN has reduced this but still can be got round.

I refuse point blank to pay for this type insurance as there's very little the card issuer would do in this situation anyway other than cancel the card. Every card company should offer every card holder this service for free.

Regards

Well exactly James - that's my understanding of things. Was this guy trying to suggest that, if the card gets skimmed or cloned and then moeny is fraudulently spent, they would do anything other than replace the card and instigate a fraud enquiry, while not expecting us to foot the bill for money spent beyond our control? Was the guy trying to string me a line? I'm tempted to give them another call to clarify things, except that I'd hate to think they thought I was doing that as I had a scam going.... anyone know?

Originally posted by djuluvmee
My card number was skimmed not that long ago. MBNA sorted it out within a matter of days, but now that I have a new card number I need to check that it set up with my flying club account properly. Does anyone know the number that I have to ring?

Member services should sort you out - but I don't have the number to hand. Am sure someone here will have!:D

Originally posted by djuluvmee
My card number was skimmed not that long ago. MBNA sorted it out within a matter of days, but now that I have a new card number I need to check that it set up with my flying club account properly. Does anyone know the number that I have to ring?

I've had the same thing happen to me - and MBNA sorted it out very quickly. I just hope AMex afford the same service to their customers. But you know, somehow, I'm reserving judgement....[:(]