MBNA Credit Card Protector Program Review
Author: maddybeagle
Posted: Sun Jul 23, 2006 8:47 pm
Post subject: mbna credit protector & 20% off gift cards and others...
Anybody do this? I guess the key is not having any balance at statement close or use another MBNA card to purchase the gc's, which is apparently allowed based on info on fat wallet. Curious if anybody takes advantage of this...you get charged 90 cents or so for every 100 of statement balance.....I guess that I havent been offered on our 2 mbna cards...
Providian also has a "Buysmart" program that is no longer available for new members....Dealpass is a non credit card related program for buying gift cards, but is targeted...we discussed that on the money board here awhile back...Fat Wallet has a long discussion of this also....
My national city card has a program also through Trilegiant, but not available in my state (WI).....
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Polonius
Posted: Mon Jul 24, 2006 9:20 am
Post subject:
Are you saying that if you sign up for MBNA's credit protector service you get access to a 20% off gift card service of some sort? I didn't know that. Can you cancel the credit protector service and keep the gift card service, or max out what you can get from the gift card service the first (free) month? I know at one point MBNA had a special program like this but I thought it had been phased out....
Providian's BuySmart was great for me. I used it to buy 100 Staples $25 gift cards for $2000 and bought stamps with them for a 20% discount from face value! I then cancelled since I couldn't buy more gift cards--100 was my membership limit. Two months ago I called and tried to resubscribe, and was turned down. I was told BuySmart no longer allows Providian cardholders to sign up on request--you have to be targeted with a specific offer. Ouch.
Author: maddybeagle
Posted: Mon Jul 24, 2006 9:37 am
Post subject:
Quote:
Are you saying that if you sign up for MBNA's credit protector service you get access to a 20% off gift card service of some sort? I didn't know that. Can you cancel the credit protector service and keep the gift card service, or max out what you can get from the gift card service the first (free) month? I know at one point MBNA had a special program like this but I thought it had been phased out....
Yes. But I dont know if it is targeted or not...and it is limited to a small amount of cards (something like 100-150 bucks per merchant per month and some quarterly limit)...apparently you can buy more but wont get credited the 20%...so you have to keep track....I am not sure but I think the credit protector service is required for the gift cards.....but as I noted, a couple of ways around paying the protector fees...
Author: maddybeagle
Posted: Tue Jul 25, 2006 11:05 am
Post subject:
--There is a very limited amount of "high value" cards that you can get......5 per year for walmart, etc....posted from fatwallet:
You just need a MBNA card
|||||- - - - - MBNA Credit Protection Rewards - - - - - |||||
1-800-230-7237 (enroll/questions)
1-800-634-9557 (to order GCs)
BASIC SUMMARY
- 20% off gift cards (run by CANA) with 35 day free trial
- Need MBNA credit card
- Membership is free as long as no balance carried on your CC (or else $0.95 per $100 in new CC balance) - so either pay off the CC before the new statements starts or I think you might be able to pay with a different CC when placing the order
- Limit:
*** 50 cards total per quarter (200 per year)
*** Only Best Buy, Circuit City, Home Depot, Lowe's, Sears, Target and Wal-Mart are limited to 5 cards per retailer per year
- Shipping:
*** 1-4 cards = $0.60 regular USPS mail
*** 5-50 cards = $5.85 USPS Priority mail
- Retailers: (will update if there are changes once I get my welcome kit)
Babies R Us
Bath and Body Works
Eddie Bauer
Foley's
Foot Locker
Hecht's
JC Penney
Kmart
Kohl's
Lord and Taylor
Macy's
Marshall's
Marshall Fields
Old Navy
Payless Shoes
Sears
Sports Authority
Target
TJ Maxx
WalMart
Bed Bath and Beyond
Best Buy
Circuit City
Crate and Barrel
Home Depot
Home Goods
Lowe's
Menards
Office Max
Pier 1 Imports
Pottery Barn
White Barn Candle Company
Toys R Us
Williams-Sonoma
Barnes and Noble
Blockbuster
Borders
Media Play
Musicland
On Cue
Sam Goody
Suncoast
Waldenbooks
Bahama Breeze
Big Bowl
Chili's
Corner Bakery Cafe
Cozymel's
Kentucky Fried Chicken
Macaroni Grill
Maggiano's
Mrs. Field's Cookies
Olive Garden
On the Border
Red Lobster
Smokey Bones BBQ and Sports Bar
Starbucks
TGI Friday's
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Sun Jul 23, 2006 8:47 pm
Post subject: mbna credit protector & 20% off gift cards and others...
Anybody do this? I guess the key is not having any balance at statement close or use another MBNA card to purchase the gc's, which is apparently allowed based on info on fat wallet. Curious if anybody takes advantage of this...you get charged 90 cents or so for every 100 of statement balance.....I guess that I havent been offered on our 2 mbna cards...
Providian also has a "Buysmart" program that is no longer available for new members....Dealpass is a non credit card related program for buying gift cards, but is targeted...we discussed that on the money board here awhile back...Fat Wallet has a long discussion of this also....
My national city card has a program also through Trilegiant, but not available in my state (WI).....
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Polonius
Posted: Mon Jul 24, 2006 9:20 am
Post subject:
Are you saying that if you sign up for MBNA's credit protector service you get access to a 20% off gift card service of some sort? I didn't know that. Can you cancel the credit protector service and keep the gift card service, or max out what you can get from the gift card service the first (free) month? I know at one point MBNA had a special program like this but I thought it had been phased out....
Providian's BuySmart was great for me. I used it to buy 100 Staples $25 gift cards for $2000 and bought stamps with them for a 20% discount from face value! I then cancelled since I couldn't buy more gift cards--100 was my membership limit. Two months ago I called and tried to resubscribe, and was turned down. I was told BuySmart no longer allows Providian cardholders to sign up on request--you have to be targeted with a specific offer. Ouch.
Author: maddybeagle
Posted: Mon Jul 24, 2006 9:37 am
Post subject:
Quote:
Are you saying that if you sign up for MBNA's credit protector service you get access to a 20% off gift card service of some sort? I didn't know that. Can you cancel the credit protector service and keep the gift card service, or max out what you can get from the gift card service the first (free) month? I know at one point MBNA had a special program like this but I thought it had been phased out....
Yes. But I dont know if it is targeted or not...and it is limited to a small amount of cards (something like 100-150 bucks per merchant per month and some quarterly limit)...apparently you can buy more but wont get credited the 20%...so you have to keep track....I am not sure but I think the credit protector service is required for the gift cards.....but as I noted, a couple of ways around paying the protector fees...
Author: maddybeagle
Posted: Tue Jul 25, 2006 11:05 am
Post subject:
--There is a very limited amount of "high value" cards that you can get......5 per year for walmart, etc....posted from fatwallet:
You just need a MBNA card
|||||- - - - - MBNA Credit Protection Rewards - - - - - |||||
1-800-230-7237 (enroll/questions)
1-800-634-9557 (to order GCs)
BASIC SUMMARY
- 20% off gift cards (run by CANA) with 35 day free trial
- Need MBNA credit card
- Membership is free as long as no balance carried on your CC (or else $0.95 per $100 in new CC balance) - so either pay off the CC before the new statements starts or I think you might be able to pay with a different CC when placing the order
- Limit:
*** 50 cards total per quarter (200 per year)
*** Only Best Buy, Circuit City, Home Depot, Lowe's, Sears, Target and Wal-Mart are limited to 5 cards per retailer per year
- Shipping:
*** 1-4 cards = $0.60 regular USPS mail
*** 5-50 cards = $5.85 USPS Priority mail
- Retailers: (will update if there are changes once I get my welcome kit)
Babies R Us
Bath and Body Works
Eddie Bauer
Foley's
Foot Locker
Hecht's
JC Penney
Kmart
Kohl's
Lord and Taylor
Macy's
Marshall's
Marshall Fields
Old Navy
Payless Shoes
Sears
Sports Authority
Target
TJ Maxx
WalMart
Bed Bath and Beyond
Best Buy
Circuit City
Crate and Barrel
Home Depot
Home Goods
Lowe's
Menards
Office Max
Pier 1 Imports
Pottery Barn
White Barn Candle Company
Toys R Us
Williams-Sonoma
Barnes and Noble
Blockbuster
Borders
Media Play
Musicland
On Cue
Sam Goody
Suncoast
Waldenbooks
Bahama Breeze
Big Bowl
Chili's
Corner Bakery Cafe
Cozymel's
Kentucky Fried Chicken
Macaroni Grill
Maggiano's
Mrs. Field's Cookies
Olive Garden
On the Border
Red Lobster
Smokey Bones BBQ and Sports Bar
Starbucks
TGI Friday's
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 11:08 PM
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