MBNA Smart Cash MC: It was great knowing you...

[angel_wing0]

^ there is no special link to apply as a student. You just put your occupation as one.

[TheDonkey]

^ there is no special link to apply as a student. You just put your occupation as one.

Ahh, thanks. I'm guessing the application page is just outdated? I still have another 4 months to go, so hopefully this sticks around.

[master_ace]

OP thanked! Just logged in online and registered for world version

[don242]

The limit is $600.00 before you stop getting the bonus, right? My monthly statements are not even hitting $600 and it says my cap is exceeded for the bonus so I stopped getting points. For month of July I only spent $557.66 but it still says on my second last transaction that the cap was exceeded. And I got no bonus points for my last grocery transaction. Before I call in and find out what is going on, am I missing something?

[Milfman]

The limit is $600.00 before you stop getting the bonus, right? My monthly statements are not even hitting $600 and it says my cap is exceeded for the bonus so I stopped getting points. For month of July I only spent $557.66 but it still says on my second last transaction that the cap was exceeded. And I got no bonus points for my last grocery transaction. Before I call in and find out what is going on, am I missing something?

$600.00 monthly limit is correct but it goes by the posting date so it seems like you bought groceries/gas at the end of June but the transaction/points were posted in July.

[don242]

$600.00 monthly limit is correct but it goes by the posting date so it seems like you bought groceries/gas at the end of June but the transaction/points were posted in July.

That would be it. Thanks.

[Pointseeker]

$600.00 monthly limit is correct but it goes by the posting date so it seems like you bought groceries/gas at the end of June but the transaction/points were posted in July.

I understood the $600 limit was calendar month limit. But you right they go by posting date and not transaction date. Also, I would imagine the payment due date is satisfied when the bank posts the payment and not when I pay at my bank, right?

[angel_wing0]

Ahh, thanks. I'm guessing the application page is just outdated?

I still have another 4 months to go, so hopefully this sticks around.

hmm, well no it's not. It has been that way since the beginning

i doubt this will be gone anytime soon (if at all), lots of ppl using it now.

[jbird7]

So I've had this card for just over a year (love it!) and thanks to the upgrade, I've had the 5% cash back rate for 12 months. Has anyone found a way to get the 5% extended for another 6 months (maybe through retentions)?

[angel_wing0]

So I've had this card for just over a year (love it!) and thanks to the upgrade, I've had the 5% cash back rate for 12 months. Has anyone found a way to get the 5% extended for another 6 months (maybe through retentions)?

not really possible, unless someone mbna made an error then u might able to persuade them to do that.

[Milfman]

I understood the $600 limit was calendar month limit. But you right they go by posting date and not transaction date. Also, I would imagine the payment due date is satisfied when the bank posts the payment and not when I pay at my bank, right?

MBNA and most CC issuers backdate online banking payments to the transaction date. You would not be considered "late" if your bill is due Aug 03 and your payment transaction date is Aug 03 even if the posting date is Aug 07

[Milfman]

So I've had this card for just over a year (love it!) and thanks to the upgrade, I've had the 5% cash back rate for 12 months. Has anyone found a way to get the 5% extended for another 6 months (maybe through retentions)?

Only other way is to apply for a new SC

[icqboy51]

quick question on late payment.

i was 3 days late on the payment last month (July) and called the rep. about it. and he say i should see any late interest/ penalty on this month's (August) statement. however i don't see any penalties on the statement under "Interest Charged" or "Fees Charged".

[Jimboski]

quick question on late payment.

i was 3 days late on the payment last month (July) and called the rep. about it. and he say i should see any late interest/ penalty on this month's (August) statement. however i don't see any penalties on the statement under "Interest Charged" or "Fees Charged".

I guess you are off the hook!

[caveat_emptor]

I applied last thursday for mbna smart cash
Called today to check the status
And got the approval
It will take 3-4 weeks delivery for the card

So that means
My credit is in the very good category