A couple of weeks ago I called MBNA to get them to cancel my CC because the
9 months interest free was up. The guy in India said the dept I needed to speak to was in the UK and gave me a UK number to call.The guy I spoke to in the UK then tried to convince me to leave the account open, but "suspend" it, so that I couldn't use it. When I pushed to get the account "closed" he basically refused to do it as he said there was no difference between suspending the account and closing it.
He said that if I suspended it then if I ever wanted to reuse it then I just needed to call them up and re-activate it. I guess he gets paid based on the number of accounts that he prevents from closing.
I've checked my acount online and it's still open so I'm now writing to MBNA telling them to cancel my CC account.
I don't want this 20k of credit sitting open on my credt record and wonder what I can do if MBNA refuse to cancel my CC?
Paul