Credit Card Advice

MBNA is Europes largest credit card provider. Based in Chester, UK, it has a wide range of affinity and charity credit cards, along with its own competitive APR credit cards.

MBNA offers online banking so that you can have 24-hour access to all your credit card accounts, including making payments, balance transfers, loans, paying your balance, increasing your limit and much more at no extra cost. In fact they have online only credit cards too, ensuring you make the most amount of saving my remaining an MBNA valued customer.

You will be able to log onto the MBNA website with a password and be taken to a page with your accounts. From there you can look at your credit card statement and see all the charges you’ve made. This is an easy way to keep track of your spending. It is also an opportunity for you to watch out for fraudulent transactions. If you see what you believe to be a fraudulent transaction, you should notify the bank as soon as you can, they have a well detailed credit card security and protection procedures to make sure you are safe at all times.

You can set up an automatic transfer each month to transfer money from your checking or savings account to your credit card account. Or you can transfer the money online yourself if you want to pay different amounts each month.

Your statement will show you where you made purchases, the amount of purchase, credits issued (for example, if you returned merchandise), your running credit card balance, how much you’re paying in interest, whether you’ve been assessed any fees, and how much credit you still have available. Your statement can be downloaded and printed out, as can bank statements for up to 24 months.

If you are part of a rewards program, your statement may include information about your rewards points or cash back up to the current statement, or if it is part of an affinity like the play.com credit card, you can see where you need to go to check your points balance.

When reviewing your credit card statement, check the due date first. The due date can vary by a day or two every month, and if you’re late, you’ll probably be assessed a late fee. Also check your balance to be sure you are not in danger of going over your credit limit. There are fees if that happens, too. Some people compare their charges to their sales slips to make sure the correct amounts were charged.

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