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      • Credit cards frequently asked questions

      Frequently asked questions

      Here you'll find answers to frequently asked questions - from how to make a payment, to what to do if you spot a transaction you don’t recognise.

      • Applying for a card
      • Using your card
      • Managing your account
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      • MBNA looks really different – what’s changed? expandable section

        In February 2019 we made updates to almost all of our services.

        Some changes are more obvious that others, so we’ve created a page to highlight the important stuff.

        Read about new stuff at MBNA

      • What should I do if my card's lost or stolen? expandable section

        If your card is lost or stolen, please let us know as soon as possible by calling 0800 056 0081 (or +44 1244 757229 from outside the UK). Standard network charges may apply.

        If your card is lost, you suspect it’s been stolen or has been used without your knowledge or consent, we’ll take steps to secure your account.

        When we issue a new card, you’ll need to update the payment details for any regular transactions you’ve got set up (e.g. subscriptions or insurance premiums) and any details you’ve stored online to make payments (e.g. Apple Pay) as soon as your replacement arrives.

        Check out our security page to find out more about keeping your card and account details safe.

      • How do I change my personal details? expandable section

        You’ll find everything you need to know about this at the updating your details page.

      • I'm planning on using my card abroad, what do I need to know? expandable section

        Your credit card is ready to use in most countries around the world both for shopping and withdrawing cash. There's no need to let us know before you jet off, but it's a good idea to check your card won't expire while you're away.

        To learn more about using your card overseas, what fees will apply and making payments in other countries, have a look at our travelling abroad page.

      • How do I make a PPI enquiry or complaint? expandable section

        You'll find all the details you need about making a PPI enquiry or complaint at our dedicated page - Payment Protection Insurance (PPI) enquiries and complaints.

      • How do you calculate my minimum payments? expandable section

        You’ll find detailed information about how we calculate payments on our minimum payments page.

      • How do I make a payment? expandable section

        There are lots of different ways to make payments to your account. Some are faster than others, so make sure your payment will clear in time for your due date.

        Take a look at our making payments page to find out how to pay by debit card, Direct Debit and more.

      • How do I activate my card? expandable section

        You’ll find full details about activating your card on our dedicated page.

      • How can I contact you? expandable section

        For the full list of ways to say hello, have a look at our contact us page.

      • What interest rates am I paying on my account? expandable section

        You’ll find information about both promotional and standard interest rates in a couple of places. You can read through the terms and conditions of your account, which include all sorts of useful information.

        Alternatively, for a more current view including details of offer expiry dates and rates that currently apply to portions of your outstanding balance, refer to your latest statement. You might find the ‘Breakdown of balance’ and ‘Summary box’ on the statement particularly helpful.

        If your account’s set up with paperless statements, you’ll need to log in or register to view them online.

        Important - not all balances will have a promotional rate, in which case it’s the standard contract rates that apply.

      • How do I change my PIN? expandable section

        You can change or unlock your credit card PIN at any cash machine with the Link symbol. You can’t unlock your PIN abroad.

        If you've forgotten your PIN, you can get an instant reminder in the MBNA app.

        If you’d prefer a paper reminder, you can request one online or by calling us, it’ll be sent to you by post in 3-5 working days.

      • Can I change my payment due date or the date my statement is produced? expandable section

        You can change your payment due date up to 2 times in any 12 month period, but you’ll need to get in touch to discuss your options. Call us on 03456 062 062 (or +44 1244 659 005 from outside the UK). Lines are open 7am-11pm every day. Standard network charges may apply.

       

      Credit cards: are issued by MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, Register Number: 204487 for the provision of payment services.

      Personal loans: for personal (unsecured) loans, MBNA Limited:

      • Works exclusively with Lloyds Bank plc.
      • Is a credit broker and not the lender.

      MBNA is a trading style of Lloyds Bank plc. Lloyds Bank plc Registered Office, 25 Gresham Street, London EC2V 7HN. Registered in England and Wales number 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Lloyds Bank plc adheres to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

      MBNA Limited and Lloyds Bank plc are both part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com.

      The issue of a credit card or loan and the amount of credit or lending offered to you depends on an assessment of your personal circumstances. To apply, you must be a UK resident aged 18 and over.

      For credit cards and loans, the interest rate offered to you will also be based on this assessment.

      Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations. Not all telephone banking services are available 24 hours, 7 days a week. Please speak to an adviser for more information.

       

       

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