By Ashley

I just dealt with MBNA mastercard and had excellent customer service when I called their 1-888 number.

The young gentleman I spoke to was very helpful with my issue (I forgot my stupid secure code for online purchases since I mainly use paypal) and he was able to quickly walk me through it.

I also asked him a question which I thought was genuinely silly but thought, hey if you don’t ask it, how will you know the answer.

I asked him if I could switch my sony mastercard for a Shoppers Optimum mastercard instead because I would get far more use out of it.

Now due to my somewhat inferior credit score due to an illness and some late payments I was unable to qualify for the optimum mastercard when I applied for it last year so I thought all hope was lost in ever getting to rack up my points even further!

BUT to my amazement I was informed that I was allowed to switch my existing card over!! What a glorious day!! Just when I was about to consent to the change over the phone he paused and said “Just wait one minute. You have enough sony points for $40 worth of merchandise, so why don’t you spend those points on the sony website and then switch your card after so that you do not loose out on those points.”

REALLY!? Someone from a credit card company was actually giving me advice on making money from my account?!

While their interest rate can be quite high, their customer service was indeed excellent today. That card got me through some rough patches and I was able to pay it off. Now I will be able to pay it off in full every month so I will not accrue interest AND I will be able to optimize my optimum points as well!

Thank you MBNA!