I have been a user of my MBNA card for over 10 year.   As everyone knows they have been taken over by BOA.   I had 9.99% rate and because I decided to use it and carry a balance when times got tight, they decided once I carried a balance to push my rate to 19.99%.   I have never been late ever.....  they just like to get you when you are down.   Plus, they won't even let you know how the made the decision to adjust or change your terms because they do it in-house they can't disclose it to you. — I am not one to review things negatively… read full review »