Customer Services: 03456 062 062
mbna.co.uk
MBNA Credit Card
MR ANDREW MORETON VISA Card number 4129 83** **** 5563
4 UNION TERRACE
Cardholder MR ANDREW MORETON
PENRITH
CUMBRIA Your credit limit £16,700
CA11 9DY
Available to spend £12,100.00
Next month's estimated interest £0.00
Summary of your account
Previous balance £4,800.00
Payments received £200.00 CR
Your credit card statement New transactions, fees and charges £0.00
20 July 2023 Your new balance £4,600.00
Minimum payment due £46.00
Important Information To reach your account by 14 August 2023
Minimum payments
Since your last statement, the standard interest rates on your If you make only the minimum payment each month, it will
credit card have changed because of a change in the Bank of take you longer and cost you more to clear your balance.
England base rate.
Account information
Your new rates can be found on this statement, along with your
minimum payment - which may have also changed. Any Your current standard interest rates are:
promotional or non standard rates you have on your account 18.54% p.a. (variable) for Cash Transactions (Effective rate)
have not changed and will continue until the end of the agreed 18.54% p.a. (variable) for Purchases (Effective rate)
period. 18.54% p.a. (variable) for Balance Transfers (Effective rate)
18.54% p.a. (variable) for Money Transfers (Effective rate)
For further information on how a changing Base Rate could 17.1260% p.a. (variable) for Default charges (Simple rate)
impact your interest rates, please visit
Your standard interest rates have changed in this
www.mbna.co.uk/base-rate-information statement period. Please refer to the Standard Interest Rate
Changes Section within this statement for more information
regarding your interest rates.
We'll take your Direct Debit of £200.00 from your bank account on
14/08/23.
You can make one-off payments in addition to your Direct Debit at
any time. In most cases, these won't reduce the Direct Debit for
that month. However, if you've missed some payments, your Direct
Debit might work in a different way.
7 MS01 20 (054877) Page 1 of 4
How you can contact us
By phone By post
Customer service queries - Please see the number on the front of your statement. You can also write to MBNA Limited at:
Lost or stolen cards MBNA Limited, Credit Card Operations, BX1 1LT. Please quote your account
- 0800 056 0081 or number in all correspondence.
- +44 1244 757229 (when abroad)
You can call us 24 hours a day, every day. Please have your credit card details with To change your personal details
you when you call.
If you have changed your name, address or bank details it is important that you let
Balance Transfers and Money Transfers us know. You can find all the information you need to do this on our website or
- 03452 661 839 please call us to discuss.
You can call us Monday to Friday 8am - 8pm and Saturdays & Sundays 9am - 5pm.
For your security, and to assist us with staff training, phone calls may be recorded Dispute Resolution
and monitored.
If you have a problem with your agreement, please try to resolve it with us in the
Online first instance. If you are not happy with the way in which we handled your complaint
To manage your account 24 hours a day via the Internet, visit mbna.co.uk to register. or the result, you may be able to complain to the Financial Ombudsman Service. If
It takes up to 7 days to set up your online registration so remember to allow for this you do not take up your problem with us first you will not be entitled to complain to
or you could miss a payment or incur a charge. the Ombudsman. We can provide details of how to contact the Ombudsman.
If you need extra help
If you need this in another format, such as large print, Braille or audio CD, please contact us.
If you have a hearing or speech impairment - you can use Relay UK on 18001 0345 606 2062. Lines are open all day, every day.
SignVideo services are also available if you're Deaf and use British Sign Language: mbna.co.uk/accessibility/signvideo
Useful information
Available to spend How interest is charged
The amount available to spend shown overleaf may include transactions that have We calculate interest daily based on the total amount you owe. We add together all
been authorised but have not yet been applied to the account. the daily interest amounts in each statement period and add the total to your
Checking your statements balance on your statement date.
Please keep all receipts to check against your statement. If you have a query about The sooner you make your payments, even before the payment due date, the less
your statement please call customer services as soon as possible. The earlier you interest you will pay. There are some exceptions to these interest rules. Details are
contact us about a disputed entry, the more we may be able to do for you. available within your terms and conditions.
Lost or can't remember your PIN? Estimated interest
This is an estimate of the interest you'll have to pay next month. It assumes:
Please call the number on the front of your statement and we will send you a new
PIN. · you pay only the minimum due
· you pay by the due date
Data Privacy
· you have no more transactions before your next statement
We work hard to keep your personal data secure, which includes regularly reviewing
· you don't change your statement date
our privacy notice. When there's an important change we'll remind you to take a look,
so you're aware how we use your data and what your options are. You can find our
· your standard interest rates and the way we calculate interest don't change
The estimate does not include reduced interest if a promotional rate starts before
latest privacy notice at mbna.co.uk/privacyor ask for a copy on 03456 062 062 or if your next statement is produced.
abroad +44 1244 659005.
Important Information about Promotional Offers
Recommended Payment Amount You will lose any promotional offers if we do not receive your minimum payment on
If we show a recommended payment amount in the summary of your account time or you go over your credit limit. The standard rate will apply on the remaining
section in this statement, this means that you are in persistent debt. This is where balance.
you have paid more in interest, fees and charges than from your outstanding
Other products and services
balance for a long time. For more details please see your terms and conditions. We
You can let us know at any time if you don't want to receive information about other
have included more information about your persistent debt balance later in this
Products and Services.
statement. We will also write to you separately with further information about this.
Credit cards issued by MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and
Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the
Financial Conduct Authority under the Payment Services Regulations 2017, Register Number 204487 for the provision of payment services.
7 MS01 20 (054877) Page 2 of 4
How to pay
Please remember - Your payments should reach your account as cleared funds Online - You may be able to arrange payment through an online banking provider.
by the date shown on the front of your statement. Please use the sort code and account number shown on the left. Please also make
If you are unable to make the minimum payment, please contact us as sure that you quote your credit card number.
soon as possible by calling the number on the front of your statement.
Post - if you receive paperless statements please send a cheque in an envelope to
Telephone Banking with a bank - you will need to provide these details: MBNA (180), PO Box 274, Sheffield, S98 1RJ. If you receive paper based statements
Bank Sort Code no: 77-29-00 through the post you can send the completed payment slip and cheque in an
Bank Account no: 00000000 envelope to the address above.
Your reference number, which is your 16-digit account number The cheques should be made payable to MBNA Limited followed by your current
Please check with your Telephone Banking provider that your payment will reach Credit card number. You must allow 7 working days¹ for the payment to reach us.
your account by the due date shown. Please use blue or black ink and never send cash through the post.
Direct debit - you can set up a direct debit to pay the minimum or full amount on
your statement, a fixed amount, or fixed percentage each month. Please call the Debit Card - You can pay by debit card by phone, Online Services or the mobile
number on the front of your statement or if registered for Online Services go online app.
and click on the "ways to pay" tab on your credit card tab section.
At any bank - if you receive paper statements, please complete the Bank Giro MBNA Limited Credit Cards can receive Faster Payments.
Credit Slip provided with this statement. You may have to pay for this service.
Please allow up to 4 working days¹ for your payment to reach us. ¹Working days are Monday to Friday, excluding bank/public holidays.
Customer Services: 03456 062 062
mbna.co.uk
MBNA Credit Card
VISA Card number 4129 83** **** 5563
Cardholder MR ANDREW MORETON
Date of transaction Date entered Description Amount £
BALANCE FROM PREVIOUS STATEMENT 4,800.00
17 JULY 17 JULY DIRECT DEBIT PAYMENT - THANK YOU 200.00 CR
New balance £4,600.00
If you do not pay off the full amount outstanding, we will allocate your payment to the outstanding balance in a specific order, which is set
out in the Summary Box on this statement. The way in which payments are allocated can make a significant difference to the amount of
interest you will pay until the balance is cleared completely.
Breakdown of balance
Balance Type Simple Effective Outstanding Interest Expiry
Annual Annual Balance Charged Date
Rate (%) Rate (%) (£) (£)
Money Transfer (Promotional) 0.0000 0.00 4,600.00 0.00 05/04/24
We work out interest daily using your Simple Annual Rates, based on a 365-day year. We charge interest on the total amount you owe,
including on interest we charged before, also known as compound interest. Your Effective Annual Rates show this and you can compare
these with rates offered on other cards.
Standard Interest Rate Changes
Your standard interest rates have changed during this statement period.
Between 21/06/2023 and 22/06/2023 your Simple Annual Rates Between 23/06/2023 and 20/07/2023 your Simple Annual Rates
were: were:
16.6260% p.a. (variable) for Cash Transactions 17.1260% p.a. (variable) for Cash Transactions
16.6260% p.a. (variable) for Purchases 17.1260% p.a. (variable) for Purchases
16.6260% p.a. (variable) for Balance Transfers 17.1260% p.a. (variable) for Balance Transfers
16.6260% p.a. (variable) for Money Transfers 17.1260% p.a. (variable) for Money Transfers
16.6260% p.a. (variable) for Default charges 17.1260% p.a. (variable) for Default charges
7 MS01 20 (054877) Page 3 of 4
Customer Services: 03456 062 062
mbna.co.uk
MBNA Credit Card
VISA Card number 4129 83** **** 5563
Cardholder MR ANDREW MORETON
Summary box
The information contained in this table summarises the key product features not displayed elsewhere on the statement and is not
intended to replace any terms and conditions.
Interest-free period Maximum 56 days for purchases if you pay your balance in full and on time each month.
There is no interest-free period on cash transactions, balance transfers or money transfers.
Interest charging We calculate interest daily based on the total amount you owe. We add together all the daily interest
information amounts in each statement period and add the total to your balance on your statement date.
You will not pay interest on new purchases if you pay the full balance shown on your previous and
current statement (including any balance transfers and money transfers) on time. Otherwise, the
period over which interest is charged is as follows:
Purchases, Cash Transactions, Balance Transfers and Money Transfers: From the date the item
is debited to your account until the balance is paid in full.
Allocation of payments We use your payments to clear any overdue amounts before we apply them to your latest minimum
payment.
We will reduce the amount you owe in the following order:
· any overdue amounts from previous statements; then
· the remaining balance on your statement; then
· any recent transactions not yet shown on your statement.
We use your payments to pay off balances charged at the highest interest rate first and so on down to
balances with the lowest interest rates.
If there is more than one type of balance at the same interest rate, they are paid off in the following
order: cash transactions, purchases, balance transfers and money transfers, and then default charges
(plus any interest or charges incurred as a result of those balances). For each type of balance, your
payments will pay off the oldest balance (and related fees, charges or payment protection insurance)
first.
Minimum repayment Your monthly minimum payment will be an amount equal to the higher of £25 or the total of any
interest charged, any default charges payable, your annual fee (if applicable), LifestyleProtect (if
applicable), and 1.00% of the balance you owe shown in your statement. If you owe less than £25 you
must pay the full amount you owe.
Annual Fees None
Other Fees Cash Transactions: 5.00%.
Balance Transfers: 5.00% for each individual Balance Transfer.
Money Transfers: 5.00% for each individual Money Transfer.
Non-sterling transactions Payment scheme exchange rate: For rates please call Customer Services on the number above.
(foreign usage) Indicative rates can also be found at:
Mastercard - www.mastercard.com/global/en/personal/get-support/convert-currency.html
VISA - www.visaeurope.com/en/cardholders/exchange_rates.aspx
One or more of the following may apply:
Non-sterling transaction fee: 2.95% of the amount of the sterling transaction value.
Cash transaction fee: 5.00%.
Default charges Missed Payment charge: £12
Account information
7 MS01 20 (054877) Page 4 of 4
