For whatever it may be worth, I'd be very leery of MBNA. Please bear in mind this is just one person's experience with them, but a few years back I was out of work and got behind with them and several other creditors. (I've long since recovered and caught up on all of them). Most of my creditors, thankfully, were understanding and accomodating. MBNA was the lone exception.

Lets just say MBNA was particularly nasty and showed absolutely no mercy. Especially when it came to piling on fees, using agressive collection methods etc.

I'm not here to bash MBNA or go into all the gory details, but I'd certainly be reluctant to get into a business relationship with any company that seeks to cash in on customers' misfortunes. My orignal debt was relatively small, but nearly tripled by the time they got finished with their tactics....and I got stuck for every penny they loaded on. (Read the fine print about binding arbitration and waiving your right to sue them).