MBNA Smart Cash MC: *FREE* World Version available!

[crackerjack]

Well I don't spend anywhere near to $600 in gas and groceries combined per cycle. That's why. The remaining promo amount doesnt get carried over.

To scoop, crimsondr, and Angel_wing0 - thanks for the explanation.. I looked at how much I spent on gas/groceries on my first MBNA bill - I only spent $280 - now I'm going to do the same.. spend approximately $300 for gas cards and use them after the 5% promo is finished.

thanks for the tip!

[angel_wing0]

You sure are generous. Ill take a gift card gift!

u bet, and my friends/family love it because they always complain that they spend too much on gas

thanks for the tip!

You bet, shop like a rfd'er

[agent86]

Here's some more application info from a letter that I just got from a co-worker who was actually invited to apply. Note the application call-in number and priority code:

Dear agent86,

Great news: Because you're a valued MBNA customer, we're about to offer you one of the best cash back credit cards on the market. It's called the MBNA Smart Cash Platinum Plus MasterCard credit card.

Earn cash back for what you buy.
- 5% for gas and grocery purchases for the first 6 months
- 3% for gas and grocery purchases thereafter
- 1% for all other net retail purchases
- And there's NO Annual Fee

Use your cash to buy whatever you want.
Once your cash back totals at least $50 per monthly billing cycle, we'll automatically mail you a cheque. There are no restrictions on what you can use your cash back for either. With the MBNA Smart Cash card, you can spend your reward money any way you like. It's that simple.

Apply now and take advantage of our special offer.
The MBNA Smart Cash card features a competitive Annual Interest Rate of 13.99% and No Annual Fee.

Life is better when it's like everything is on sale. Apply today.
Just call 1.877.805.8722, and quote priority code CGL5 or complete and return the enclosed Personal Request Form. You can also fax your Personal Request Form to 1.800.268.3852.

Sincerely,


agent99 (not her real name)
Senior Vice President, Marketing
MBNA

P.S. Apply today and as a special offer, you'll enjoy a 1.99% Introductory Annual Interest Rate for the first 10 months on all your Balance Transfers.

[pnyknights]

I forget, is the $600 per billing cycle or calendar month?

Aren't they pretty much the same thing? Just fall on different days?

[HBP]

Aren't they pretty much the same thing? Just fall on different days?

Which makes all the difference if trying to load up on GC's to benefit from the $600 most.

[angel_wing0]

Aren't they pretty much the same thing? Just fall on different days?

well a calendar month is 1-30 (assuming 30 day month), a cycle might be 15/x-14/y (assume another 30 day cycle). Makes ALL the difference.

[angel_wing0]

just blew $200 on gift cards and $50 for gas...5 more days before my next statement

[bubble.tea]

How much beyond your CL can you go before the transaction is denied?

Is there any penalty/fee/surcharge for going over your CL?

I just went over . Damn $1K CL. I need at least $1200

[Jon Lai]

well a calendar month is 1-30 (assuming 30 day month), a cycle might be 15/x-14/y (assume another 30 day cycle). Makes ALL the difference.

So what's the answer?

[angel_wing0]

So what's the answer?

what answer?

[scoop]

So what's the answer?

the answer to your question is yes.

[Sensforever]

How much beyond your CL can you go before the transaction is denied?

Is there any penalty/fee/surcharge for going over your CL?

I just went over . Damn $1K CL. I need at least $1200

$35.00 overlimit fee billed to you if you go over at any point in your billing cycle.

[Jon Lai]

what answer?

Whether $600 is calendar month or by billing cycle.

[pnyknights]

So what's the answer?

42

Anyone having trouble checking their account online? All my MBNA only showing the account list and the top half of all other page....

[angel_wing0]

Whether $600 is calendar month or by billing cycle.

billing cycle, never needed to ask.

What i wanted to ask was if the 6 months promo start on the activaition or whatever. God at least read the posts correctly. And no i didnt ask. Why dont YOU ASK?