Absolutely hopeless people at MBNA - I realised that my signature form, too, was for the fee-free card. Rang them up and they truly didn't have a clue what I was talking about and then put me on to possibly the slowest person imaginable, who insisted on going through all the details of my application again - I already have an MBNA card with a sizeable limit, so it's hardly an issue, but there we go.