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      • Managing your account

      Managing your account

      Read answers to frequently asked questions, including how to change your address or close your account.

      • Applying for a card
      • Using your card
      • Managing your account
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      • How do I close my credit card account? expandable section

        To close your account please call us on 03456 062 062 (or +44 1244 659 005tel:+44 1244 659 005 from outside the UK). Lines are open 7am-11pm every day. Standard network charges may apply.

        Alternatively, write to:

        MBNA Limited
        Credit Card Operations
        BX1 1LT

        If you intend to close an account for which you receive online statements, please ensure that you print copies for your records before you do so, as you’ll no longer be able to access your statements online once the account is closed.

        Good to know

        If you’ve got an outstanding balance, or any interest and/or fees to pay, your account will still show as active on your credit file until your balance is cleared. Once your balance is  zero, we'll let the credit reference agencies know your account is closed (if your account is in credit, ask us for a refund). They'll update your credit record, which usually takes around a month to complete.

      • 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.

      • How do I activate my card? expandable section

        You’ll find full details about activating your card at the activate your card page.

      • How do I change my credit limit? expandable section

        You can request a credit limit increase using Online Card Services, the MBNA app, or by giving us a call.

        We require at least six months payment history on your account before you can request an increase of your credit limit. You can decrease your credit limit at any time after your card has been activated.

        If you request a credit limit increase, this authorises us to search the files of any credit reference agency we need to help us make a decision. We may not offer you credit limit increases if we are concerned about your ability to repay.

        When deciding whether to increase your credit limit, you should think carefully about whether this is the right option for you. You should consider the risk of taking on too much debt and how you will repay any amounts owed.

        From time to time we may write to you offering a credit limit increase. If this happens, we will give you 30 days’ notice before any change will take effect. Should you want to decline the change, call 03456 062 062. Lines are open 8am-10pm Monday -Friday and 8am-6pm Saturday and Sunday. Standard network charges may apply.

      • My account is in credit. How do I get these funds returned to my current account? expandable section

        Please call 03456 062 062 (or +44 1244 659 005 from outside the UK). Lines are open 7am-11pm every day. Standard network charges may 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.

      • My card has expired but I haven't received a new one. What should I do? expandable section

        There may be a number of reasons why this has happened. 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.

      • Can I have an additional cardholder on my account? expandable section

        Yes, they'll each get their own card and PIN to use.

        You can share your credit card account and credit limit with anyone aged 18 or over, subject to status. Handy if you’d like to keep track of expenses on one card. As the main cardholder, you'll be responsible for any spending and making monthly payments.

        To add a cardholder, log in or register for Online Card Services, or call us on 03456 062 062 (+44 1244 659 005 from outside the UK). Lines are open 7am-11pm every day. Standard network charges may apply.

      • How do I get a copy of my terms and conditions? expandable section

        New customers

        When you submit an application to us, you'll have the option to read and download/print a copy of your terms and conditions. If your application is approved, you'll also get a copy through the post.

        For existing customers

        Your terms and conditions are included in the credit agreement we originally sent to you. If you need another copy, give us a call 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.

      • I’ve got a replacement credit card, what do I need to do? expandable section
        • You don’t need to activate replacement cards - if there’s no sticker on the front, there’s nothing you need to do.
        • However, any credit card details you've added to a mobile device, and regular payments and subscriptions, need to be updated with the new card number.
      • My card is damaged, how do I replace it? expandable section

        If there is a problem with your credit card you can let us know online. It's simple, safe and secure.

        Replacement cards and PIN reminders

      • Can I register more than one credit card account for Online Card Services? expandable section

        Yes, you can add all of your MBNA credit cards to your Online Card Services profile, so you can see everything in one place, with one log in to remember.

        You'll need the credit card you want to add, and we’ll ask you to confirm some personal details.

      • How can I check my balance and other account info? expandable section

        There are a few easy and secure ways to check your account.

        Online

        Log in or register for Online Card Services to manage your account online.

        Mobile

        You can do all the most important account stuff using the MBNA Card Services App or on your smartphone’s browser. Check out our mobile services page for all the details.

        Your statement

        You'll find lots of information on your monthly statement... just remember it contains information for the past statement period and might not detail your current balance and most recent transactions. If your account is paperless, you’ll need to log in to view your statement online.

        You can also find lots of information about your account in your credit card terms and conditions.

      • I'm moving abroad, can I still have an account with you? expandable section

        You need to live in the UK to open an account with us, but you can keep using your account if you move to another country. To find out more, give us a call on: 03456 062 062. Standard network charges may apply.

        If you're using your card for purchases or withdrawals while living abroad, get all the facts on our using your card abroad page.

      • What are 'online documents'? expandable section

        Instead of getting certain updates about your credit card account through the post, you can now access them within Online Card Services – we’ll send you an email to let you know if you’ve got one. You can update your contact preferences online too.

      • I want to upgrade my account for a different product - can I do that? expandable section

        You can't choose to upgrade your account, but we might occasionally offer you promotional offers on your existing credit card account. You can also look to swap your card or take out a second one.

       

      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 call us for more information.

       

       

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