Originally Posted by
alexteacher
Just a small note that might help others.
1. I just applied for this card and was denied as I "can't hold two cards of the same product."
2. I actually closed the other Best Western card a few days ago...but
3. MBNA did not close it for me.
The agent informed me that the previous rep refunded a small amount to my bank then forgot to actually close the account.
*credit to her/them for just telling it like it is*
So, I effectively got thwarted in this application.
However, the credit department told me that I would have to wait at least 30 days to reapply anyways, as it "takes 30 days for the (first card) closure to show up on [my] credit report."
I don't know if this is the case, but this is what I was told.
NOTE: When I was able to finally close my original Best Western Rewards card today I was given a confirmation number of 7 digits. I now know to ask for one of these when I close an account in the future.
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alexteacher , sorry to hear. I tried to give a warning about MBNA's newer policies regarding duplicate cards, from a couple of weeks ago. I won't quote all of them,
but start reading the posts from around here.
Myself, I was lucky last year that they closed my older existing card and gave me the new one anyways. Sad they couldn't do it for you as well. I know you've mentioned some quick turnaround times between cancel/re-apply in the past. Better to try and stick to a 30-90 day wait period from now on, I suppose.
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flyer05 , you were looking for a datapoint for the MBNA BWR cards, well here you go. Multiple/duplicate cards of the same product are getting muted by MBNA.
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In somewhat related news...
I proactively closed my BWR MC 3 months ago, in anticipation of signing up for another one. I was approved last week, but here's another (repeated) datapoint from me. MBNA chose to lower the limit on one of my other existing MBNA cards, without any notification/warning. This card was at $11K limit, now down to $1K. I like to keep higher limits just in case I need to shift limits around to open a declined application, as a safety net. So for this purpose I usually will consolidate the limits onto other existing cards when I request to close them. Now they are quietly taking this Plan-B away, by lowering the limits without telling me first. At one time I had a total limit close to $50K combined for all of my MBNA cards. Oh well, that's the way the wind blows nowadays.