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Scotia Momentum VISA Infinite card

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Unprofessional representative

by Common on Apr 6, 2020
1 out of 5 stars

I had a terrible experience with a representative who was snappy and rude. She kept repeating the same automated response instead of actually looking into the details of my concern. I cancelled my credit 4 months ago and thought I paid off my remaining balance since I never received a statement in the mail and my access to my online account was cancelled immediately after I cancelled. I told her I never received a statement but was happy to pay it right away, but she immediately started arguing that yes I had received the statement. This went in circles. Very unprofessional. She could have just explained that it looks like it was sent from her end and just apologized for me not receiving the statement. She indirectly made me feel like I was lying. Why would I lie, when I always pay my credit card bill on time and actually care about my credit score. Sure am glad I cancelled my credit card now.

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Stolen credit, NO HELP

by Kathleen Booth on Apr 1, 2020
1 out of 5 stars

My MBNA CREDIT CARD was stolen and after calling to report it stolen every day being on hold for countless hours and never being able to get through to anyone, I finally woke up at 3 am to see if that would be less busy. I discovered that my card is ACTIVELY being used. This isn’t a card I use, as I just have it for emergencies so I didn’t notice it is missing. The online system is down so I can’t check anything happening with my account. I haven’t been receiving statements in the mail and I can’t get through to a representative as they just put me on hold for hours and eventually disconnected. I have no idea if someone has access to my account or changed my mailing address as I can’t even get into my online account. I know it’s a busy time but reporting a stolen card should not be this difficult as this will ultimately affect my credit score.

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Horrible

by Kaylspi on Jan 8, 2020
1 out of 5 stars

Horrible. I only have this MBNA card because another credit card I had years ago has changed ownership so many times. Since switching to MBNA I’ve tried several times to create a login/password and login on the online banking and to no avail, it simply will not work. Even after doing it over the phone with a customer service agent. For this day and age, this is unacceptable. I will just continue to pay off this card and use my other one from another company with the same interest rate and away better app.

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Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:

 

  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
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MBNA terrible customer service

by Melissa Butt on Jan 4, 2020
1 out of 5 stars

I did a dispute when a bartender added a $100 tip to my total bill. The bill was $75 and I requested the bartender total the bill to $100 leaving a $25 tip. MBNA said it was my fault for not having my reading glasses to be able to see the total - would not assist me whatsoever.

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Avoid these guys all you can

by 8 year cardholder on Dec 24, 2019
1.5 out of 5 stars

Customer service will time and time again put you on hold for 10-15 minutes at a time, fix nothing and ask useless questions, then go back to putting you on hold again.

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Thieves

by John on Jun 28, 2019
1 out of 5 stars

I paid my entire balance and MBNA charged me 5 dollars out of nowhere nearly a month later. I found out like 7 months after that I have a balance of 5 dollars on my credit card. My credit score was ruined as a result. I called them and explained to them that I had paid all the amount I owed and that they can't take interest on 0 dollar balance, but they said that they have the right to take interest on 0 dollar balance anytime they want. The customer service representative refused to help me...

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Scotia Momentum VISA Infinite Card

Scotia Momentum VISA Infinite Card

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:

 

  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage

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Worst Credit Card Company

by annoyed on May 28, 2019
1 out of 5 stars

I've had the worst experience with MBNA. First of all the wait time to speak with a representative is so long. When you do get in contact with a representative the information provided differs from one rep to another. If you carry a balance of any kind they will freeze access to the card until paid in full. I was cut off from the card due to a balance carry and then denied the ability to keep using the card after the fact due to a change in payment date due. This late payment led to interest being charged. I paid the bill in full and then was charged interest on a zero balance, despite the fact that the payment in full was received weeks before the payment due date. They told me that I was still paying for interest...What?
I will NEVER bank with MBNA and I highly recommend staying away from this company at all cost.

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RIP OFF

by audreyberend@gmail.com on Apr 12, 2019
1 out of 5 stars

They don't tell you that you don't get cash back for purchases at Costco, insurance, utilities, etc. They don't even give you the cash back!!! They are liars and cheaters and I have decades of regret for using this card. I could have tons of air miles or value elsewhere. Why they are allowed to dupe consumers like this? Stay away!

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Do NOT consider MBNA.

by Anti-MBNA, B.A., P.M.P., M.B.A. on Feb 12, 2019
1 out of 5 stars

Full disclosure, I am no longer a customer of this credit card company and haven't been for a long time, but I am still affected by the issues I had with them years later. I had two credit cards with MBNA and with both products, I experienced absolutely HORRIBLE service. I had auto-payment set up to pay the minimum balance automatically to ensure I never had a late payment if I were to miss paying the balance in full, but somehow frequently had issues with the company receiving or logging my auto payments to the point where it would be considered 'late'. The whole point of setting up auto-payments was that I wouldn't have to worry about paying the card as it should be done automatically, but the funds would be pulled out of my bank account and it would take more than A MONTH for MBNA to log it against the card. I would call and try to sort it out every month and only after I terminated my relationship with the company, found out they had been logging it as 'Missed Payment' all this time, which affected my rating for a long time. When I had enough and began to attempt to terminate my cards out of frustration, there were MONTHS of residual balances owed. Cents, that would not show up on statements or online or even when I called to speak with their agents. This made it impossible to settle my account and would again show up as 'late' in the future. I ended up over-paying (I just paid $10) into the account and kept calling in for months after to keep checking and finally closed the account, with extra credit on the account. Again, years later in my credit file, I found out that for BOTH credit cards, the company closed the credit cards under 'Closed by credit grantor' and 'Due to delinquency', which is NOT true at all! I initiated both closures quite PAINFULLY and gave them extra money to do it. For background, I WORK in finance for a living, I graduated with a double major in Mechanical Engineering and Business Management (finance specialty), and have a professional project management designation. I manage assets and am VERY familiar with the numbers world. Leaving MBNA, my credit rating has recovered and fortunately back to an Excellent score (780+). It is ironic that some of my credit cards are with TD now and I have nothing but praise for them, but my horrible experience still existed after TD's acquisition of MBNA. To summarize, I would highly recommend anybody considering an MBNA card to look elsewhere. Borrowing from your corner loan shark would be a more logical option for your future. I'm kidding, of course--we all know loan sharks don't work on corners. In all seriousness, do not go with MBNA. I was triggered to write this review when a random ad showed up on my screen.

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Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment 

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Will be cancelling

by ldk on Jun 27, 2018
1 out of 5 stars

Just had the worst Customer service experience ever. I went to make a purchase which was declined, which usually means my credit card has been compromised. I tried to log in to my account and it was denied, so I phoned and got my transaction record which indicated that there were several transactions that totalled over $4000 that I had not made. When I was finally connected to a "human", it was from the billing department because we had not paid our last bill which might have happened twice in the 15 years we have had the card. I told him of the invalid charges but he was only concerned that the last bill had not been paid and would only forward me to the fraud department if I promised to pay the minimum payment of $30ish dollars. I hung up and phoned back to try and report fraud again only to be connected to the billing department again. I will be cancelling my card.

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