How to Apply for an MBNA Purchase Credit Card

If you need help with your balance transfers and a fun 0% interest rate on promotion then the MBNA Purchase Credit Card could be a good option. Before filling out any applications for a new credit card, you need to do your homework. Each time you fill out a credit card application and your credit card is scrutinized by a credit card company, your credit can be negatively affected.

So before you get into the application process, be selective where you apply. In order to be selective, you should write down what your goals are for this card. What are you trying to achieve? Are you trying to get back on the financial upside track and need help? Or are you just trying to earn some rewards on the money you already spend?

Knowing what you are aiming to achieve will go a long way in helping you figure out which card is going to help you. Narrow down your options and then start off with the one that fits best, these days responses are very quick. We have compiled all the details you need to know about the MBNA Purchase credit card so you can decide whether it is on your list or off. 

Benefits of an MBNA Purchase Credit Card

Are you a savvy shopper? Then you might like what the MBNA Purchase Credit Card has to offer. For one, you can get a long 0% promotional rate on all your card purchases. With this in your arsenal, you can help spread the costs of your purchases over a more manageable period of time and feel less stressed about big-ticket items you buy in that time frame.

Another feature of this credit card is having the option to transfer your balances from other credit cards. Through this offering, you can help manage your balances and finances all in one account.

Powered by Mastercard, you can easily make purchases wherever Mastercard is accepted. Plus, you can make contactless payments with your purchase credit card. You even have the option of adding your card details to your mobile device and paying anywhere you wish.

You can track your finances and spendings through your mobile devices and online. This feature allows you to manage your purchases credit card account, as well as help you see your statements and other available payment options – all from the convenience of your own home.

Your safety is secure with this card, too, as you are free from liability if fraudulent charges are made on your card. Now that you’re familiar with some of the perks of the MBNA Purchase credit card, we can move on to your fee responsibilities. 

What are the Fees of an MBNA Purchase Credit Card?

Take a look at this brief overview of types of fees and rates you can expect with this purchase credit card. Note that it is always advisable to pay your card on time so you don’t incur fees that could hurt your credit score.

For more detailed information on fees, you will be assigned values based on your card type and creditworthiness. You can inquire by calling the bank for more information.

However, after the promotional rate, there is a representative APR of 20.9%. In addition, there will be a 2.95% non-sterling transaction fee.

If you choose to use cash advances, there will be a 5% fee. However, you will have to contact the bank to learn about late payment fees and other charges.

How to Apply for an MBNA Purchase Credit Card

To apply for this credit card, you must be a UK resident and be over the age of 18. You must also have a regular annual income with good credit standing and history. In addition, you must also provide your address history in the United Kingdom within the last 3 years.

Other eligibility requirements include not being declined for an MBNA credit card within the last 30 days and providing your main bank account number and sort code. Bear in mind that MBNA may ask for other documents and information. This includes your financial information, salary and employment details, contact details, and expenses.

If your application is approved, there is a minimum credit limit of £100 depending on your creditworthiness. To check your eligibility, you can fill out the Clever Check available on the MBNA website. If approved, you can receive your card within about 7 days.

If you are interested in getting some deals and a long 0% promotional purchase rate, the MBNA Purchase Credit Card may be right for you. You can hop on over to the MBNA website once you’ve gathered your documents to get the application process started. 

How to Contact MBNA Cards UK

Head office

Cawley House, Herons Way

Chester Business Park

Chester CH4 9FB, United Kingdom 

Telephone: 03456 062 062 (or +44 1244 659005 from outside the UK)

Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.