Hi Julie....I just got this card a couple of months ago. BIG POINTER: GET THEM TO GIVE YOU A BETTER APR THAN WHAT IS LISTED ON THE WEBSITE (even if you pay off in full every month -- just in case).

My girlfriend got a mailer from them about this card with a rate of 8.9% APR AFTER the intro special. I was intrigued with this and went online to research. I was disappointed that the online rate was higher. Since I have had an MBNA card in good standing for over a year, I figured I would call customer service to see if I could get this deal too -- NO PROBLEM! Perhaps the expiration date for this reduced-APR offer has already come, but you should try to get it anyway. MBNA DOES have great customer service -- if you've been a good customer of theirs you should fight for the best rate.

Just my 2 cents....good luck!

[This message has been edited by EmoryFlyer (edited 08-13-2003).]