Why MBNA sucks
I used to have a MasterCard with MBNA. I no longer have that, after they nearly doubled my interest rate for a single late payment.
Here's why you too should avoid MBNA (see News in Brief - APPEALS COURT REJECTS MBNA VERIFICATION PRACTICES).
The United States Court of Appeals for the Fourth Circuit has ruled that creditors must perform "reasonable" investigations after receiving a customer dispute under the Fair Credit Reporting Act. In this case, MBNA America maintained a computerized customer information system that reported that the plaintiff was responsible for $17,000 in credit card charges. The plaintiff had disputed the charges, but MBNA continued to furnish information about the debt to credit reporting agencies.