And don't forget that one of the cards run by MBNA is a 'profit share' reward card - which, in recent years, has amounted to 1% cashback on all expenditure!

And MBNA's staff at their main Chester call centre are almost without exception extremely helpful and bright people who seem capable of simply resolving almost any customer issue themselves rather than suggesting you must write in to customer services as is the usual practice of call centre staff when attempting to fob customers off.

On my Conran card I did have an issue with a £3 fee being applied to a £5 bet with the Tote at Ascot on one of their automated betting machines.  Apparently there is a £3 gambling transaction surcharge.  This is odd as using a NatWest credit card to bet on the grand national in the past has never attracted any surcharge fees.  In any event to cut a long story short the call adviser refunded the fee there and then although said that I should be aware of using it on anything resembling a gambling transaction in the future.

I think MBNA are hard sell in terms of always sending out balance transfer checks (which I have now had them stop) but they do also offer excellent customer service unlike the card operations of most of the large UK high street banks virtually all of whom use 0870 contact numbers.