Stay far away from anything that MBNA has to offer! I got a Visa card from them with a low 2.99% introductory offer for six months. After that, it went up to 10.9% fixed rate. Everything's cool. About six months from that I receive a letter from them saying that they were going to increase my interest rate because they looked at my credit report and said I had too much credit. They raised it to 14.9%. A year went by, and I received another letter stating they were going to change my Visa card to a variable rate because they looked at my credit report again. It is now at 20.9% interest! My service charges are almost as much as my minimum payment! And to top it all off, I have never paid any of my bills late, and I have always paid more than the minimum payment! On all of my bills! I have great credit! I am in the process of paying off their %$^&*@# card, and then leaving them in the dust. But I'm going to make sure the world knows the ripoff that MBNA is! Thanks for reading!