AvantCard - MBNA

nadalm · 11-04-2013 11:37am

ncmc wrote: »

The account details for Avant Card are the same as MBNA, so you're payment should go through ok. I paid via EFT a couple of weeks ago and it went through.

The lack of recent and pending transactions is beyond a joke at this stage, how long does it take to get this sorted, it's going on weeks at this stage.

Will be changing credit card providers ASAP.

ncmc · 11-04-2013 11:57am

nadalm wrote: »

Will be changing credit card providers ASAP.

The problem is that the credit limit offered by all the other credit card issuers is likely to be substantially lower than Avant card offer. I am with BOI for 15 years and they were only offering me a credit limit of €1000! Also, a lot of the credit cards currently available have a very high APR rate.

KoolKid · 11-04-2013 12:02pm

I applied for a BOI card recently. Without requesting it for any transfers it arrived with a 5k limit.

listermint · 11-04-2013 12:05pm

ncmc wrote: »

The problem is that the credit limit offered by all the other credit card issuers is likely to be substantially lower than Avant card offer. I am with BOI for 15 years and they were only offering me a credit limit of €1000! Also, a lot of the credit cards currently available have a very high APR rate.

Depends on individual circumstance, not 'the market' as such.

You may have loans out with them etc etc. which would impact your liability as far as they are concerned.

ncmc · 11-04-2013 12:29pm

KoolKid wrote: »

I applied for a BOI card recently. Without requesting it for any transfers it arrived with a 5k limit.

Moneybags

listermint wrote: »

Depends on individual circumstance, not 'the market' as such.

You may have loans out with them etc etc. which would impact your liability as far as they are concerned.

I think as a whole, companies are cutting the credit limit offered on unsecured debt massively. I think being offered a €5k credit limit is the exception rather than the rule these days.

I used to have a credit card with BOI with a €4k credit limit, I would have had a car loan at the time and would have been earning less. Now, I have no loans, a small balance to transfer and am earning more and they are offering me €1500 (typo earlier when I wrote €1000)

Gumbo · 12-04-2013 9:42am

Anybody know when the recent transactions will go live?
My balance is all over the place and showing way way more than I know I owe!

SteM · 12-04-2013 9:59am

kceire wrote: »

Anybody know when the recent transactions will go live?
My balance is all over the place and showing way way more than I know I owe!

I was told that they'd be live be the end of the week by a CS rep earlier this week.

lanod2407 · 12-04-2013 11:34am

What a shambles.
They called me 3 weeks ago to say that my card had been "compromised" and to cut it up - new one in a couple of weeks.
Now I can't see my recent transactions, my balance is way higher than it should be - I guess someone had good fun with the "Compromise" - and I've had no card for 3 weeks.
What's with these finance houses - their ability to recover from IT issues takes more time than some species spend evolving!!

And speaking of moving - I'd move from this shambles in the morning if it weren't for the aforementioned new limits being offered. I've a massive limit with MBNA, and though I don't go within ten miles of it I want to keep it ...... don't ask me why ....... I just do!

ainiseoir · 12-04-2013 11:53am

lanod2407 wrote: »

What a shambles.
They called me 3 weeks ago to say that my card had been "compromised" and to cut it up - new one in a couple of weeks.
Now I can't see my recent transactions, my balance is way higher than it should be - I guess someone had good fun with the "Compromise" - and I've had no card for 3 weeks.
What's with these finance houses - their ability to recover from IT issues takes more time than some species spend evolving!!

And speaking of moving - I'd move from this shambles in the morning if it weren't for the aforementioned new limits being offered. I've a massive limit with MBNA, and though I don't go within ten miles of it I want to keep it ...... don't ask me why ....... I just do!

I would have thought that the combination of "massive limit" and "compromised card" would form the basis of an alternative course of action.
I once heard from a techie that when these outfits try to merge their different IT departments that the systems are held together by prayer more than anything else!
Comforting thought isn't it?
What a time for you to be dealing with an outfit with which communication seems to be so poor.
Big difference from MBNA days when everybody was bright and snappy and happy.
I presume we are dealing with the same people, but certainly not happy campers.

lanod2407 · 12-04-2013 12:48pm

ainiseoir wrote: »

I would have thought that the combination of "massive limit" and "compromised card" would form the basis of an alternative course of action.

I guess I would if I was liable for the theft

wmpdd3 · 12-04-2013 1:29pm

I have an agreement to pay back my CC balance for the last year. I havent missed a payment.

I got a letter today to say agreement is over and they will sell my debt. No answer when I call.

Also received a CC bill from Avantcard for my deceased grandmother.

They seem to be a bit of a disaster.

Play Bunny · 12-04-2013 2:02pm

Im now logging in thru "forgotten password" option, thanks to a user here....paid €350 off it in p.o on wed gone off it already, bit annoyed i can't view transactions

Does any 1 know if we have been billed the €30 gov tax? Dunno what's gone on card, works in shops anywho

Davy · 12-04-2013 4:59pm

Play Bunny wrote: »

Does any 1 know if we have been billed the €30 gov tax? Dunno what's gone on card, works in shops anywho

Yes was billed on the 1st of April

Solair · 12-04-2013 5:02pm

ainiseoir wrote: »

Big difference from MBNA days when everybody was bright and snappy and happy.
I presume we are dealing with the same people, but certainly not happy campers.

I'd say they're at their wits end with calls from justifiably angry customers!

Flaccus · 12-04-2013 11:24pm

I got my statement from them today and there is a FINANCE CHARGE of 44.84 on it. Will ring them in morning to find out what this is about as I am on a payment plan (with mbna) and have no charges or interest. And MBNA wrote to me in writing about my terms and conditions remaining the same. And AvantCard did the same. So really curious about this charge and if it's going to be a recurring charge. At least they stuck to the fixed payment I make every month and charged no interest.

bb12 · 12-04-2013 11:28pm

Flaccus wrote: »

I got my statement from them today and there is a FINANCE CHARGE of 44.84 on it. Will ring them in morning to find out what this is about as I am on a payment plan (with mbna) and have no charges or interest. And MBNA wrote to me in writing about my terms and conditions remaining the same. And AvantCard did the same. So really curious about this charge and if it's going to be a recurring charge. At least they stuck to the fixed payment I make every month and charged no interest.

the finance charge is the interest charged on the balance.

Flaccus · 12-04-2013 11:46pm

But I'm on a fixed payment plan with ALL interest and charges suspended.
I have this in writing from MBNA and a letter in writing from Avant to say my terms and conditions with MBNA will remain the same.

Does this mean they will be charging me interest every month. Because there is no way in hell I am paying it. The balance is over 9,000 euro so I would have thought that the Finance Charge might have been a once off passed on by Avant to the customer for taking over the account. Seems a bit low for interest.

Will ring tomorrow and try to find out. But not happy.

wmpdd3 · 12-04-2013 11:54pm

Flaccus wrote: »

But I'm on a fixed payment plan with ALL interest and charges suspended.
I have this in writing from MBNA and a letter in writing from Avant to say my terms and conditions with MBNA will remain the same.

Does this mean they will be charging me interest every month. Because there is no way in hell I am paying it. The balance is over 9,000 euro so I would have thought that the Finance Charge might have been a once off passed on by Avant to the customer for taking over the account. Seems a bit low for interest.

Will ring tomorrow and try to find out. But not happy.

I am in the same boat as you with a similar balance. I will follow how you get on with interest (!).

I called today but I even though the lines were open the 'call back during opening hours' message was playing.

I can actually say MBNA were fine to deal with when I was seriously in arrears, pity this lot had to come along and throw all that out the window.

Flaccus · 13-04-2013 12:04am

I will post back in the morning. They are open from 8am till 2pm.

Hopefully they will reverse the charge. If they say its a charge on my balance I will explain how my interest and charges are suspended and that I have a letter from them advising nothing is changing with Avant with regards to this. If no satisfaction I will follow their complaints procedure, which is basically ring customer service, then talk to supervisor, then contact their office in writing and finally the ombudsman.

http://www.avantcard.ie/Pages/How_to_make_a_compliant.aspx

Flaccus · 13-04-2013 9:17am

Just got off the phone with Avant Card.

1. Afer entering account number, date of birth, and selecting 0 to talk to customer service, was true immediately.

2. Spoke to Irish bloke, who took my account number, and asked 2 security questions. I explained about the FINANCE CHARGE on my very 1st statement, and that I am on an arrangement with MBNA for fixed payments with no interest and charges, plus I have a letter from MBNA and Avant verifying this will remain the same after the changeover.

3. And now the good news, he knew I was on an arrangement and the finance charge is interest on the balance as the other poster pointed out. However ihe confirmed it should NEVER has been applied as I have interest and charges waived over my arrangement. He apologised and said accounts that have had charges applied by mistake are being rectified this week and it will appear as a credit in next months statement

4. Because I no longer have an MBNA card (cut up), I can't register online and lots of customers are in this situation he said and customer service are feeding this back to management in the hope it will be rectified soon. But for now, no online for me.

5. He recommended the quickest way to pay is ring them Saturday morning beore 9am on 0818409511, and pay using Visa Debit. This is exactly what I did last month and rang them on Saturday 23rd, and looking at ths months statement, that payment is showing up on Monday 25th. So it takes 1 day max to go through and seems a lot faster then using post office or online bank transfer which with MBNA took 2 and 4 days respectively.

6. Note, the statement has a new account number which does not match my previous MBNA credit card number. He said this is unlikely of any importance, except if paying online via bank transfer where the reference number "may" need to be changed from the old credit card number to the new account number by myself. May look into this but as it takes considerably longer to pay online via transfer and my dates between payday and payment due are so close, making payment over the phone seems the fastest option going forward.

Thraxen · 13-04-2013 11:04am

Flaccus wrote: »

Just got off the phone with Avant Card.

1. Afer entering account number, date of birth, and selecting 0 to talk to customer service, was true immediately.

2. Spoke to Irish bloke, who took my account number, and asked 2 security questions. I explained about the FINANCE CHARGE on my very 1st statement, and that I am on an arrangement with MBNA for fixed payments with no interest and charges, plus I have a letter from MBNA and Avant verifying this will remain the same after the changeover.

3. And now the good news, he knew I was on an arrangement and the finance charge is interest on the balance as the other poster pointed out. However ihe confirmed it should NEVER has been applied as I have interest and charges waived over my arrangement. He apologised and said accounts that have had charges applied by mistake are being rectified this week and it will appear as a credit in next months statement

4. Because I no longer have an MBNA card (cut up), I can't register online and lots of customers are in this situation he said and customer service are feeding this back to management in the hope it will be rectified soon. But for now, no online for me.

5. He recommended the quickest way to pay is ring them Saturday morning beore 9am on 0818409511, and pay using Visa Debit. This is exactly what I did last month and rang them on Saturday 23rd, and looking at ths months statement, that payment is showing up on Monday 25th. So it takes 1 day max to go through and seems a lot faster then using post office or online bank transfer which with MBNA took 2 and 4 days respectively.

6. Note, the statement has a new account number which does not match my previous MBNA credit card number. He said this is unlikely of any importance, except if paying online via bank transfer where the reference number "may" need to be changed from the old credit card number to the new account number by myself. May look into this but as it takes considerably longer to pay online via transfer and my dates between payday and payment due are so close, making payment over the phone seems the fastest option going forward.

On the last point about the reference number is would most definitely need to be changed. Otherwise the money goes "missing".

wush06 · 13-04-2013 5:58pm

If you need to ring these ring there free (1800) number for loans or something. When the phone is answer say you where put through to the wrong department and can you transfer me to customer service equals free call.

Nirvana999 · 14-04-2013 12:47am

Has anyone else come across the Avantcard problem when trying to pay off a balance using Laser? My Laser is with Danske/NIB and has 18 numbers but the Avant software rejects it because they demand 19 numbers... so cant use that method to pay off the balance.

This issue was reported to Avant weeks ago... but no action... same problem hanging online wasting call credit... and they have no email facility..

Solair · 14-04-2013 1:39am

You're better off ringing the 071 (Leitrim) number on the back of the card rather than the 0818 number. If you're free landline calls it will be free or if you've inclusive minutes on your mobile, it will come out of those where as 0818 gets charged separately.

Since you're likely to be holding for ages, there's no point in paying and both numbers reach the same system.

It's (071) 965 6262

Galadriel · 14-04-2013 12:20pm

Thraxen wrote: »

On the last point about the reference number is would most definitely need to be changed. Otherwise the money goes "missing".

Does anyone know what happens if you pay online through your bank and don't change the reference number, how do you get the money back? Despite warning my father about it he went ahead and paid €1500 online through his bank. :eek:

Solair · 14-04-2013 12:36pm

Galadriel wrote: »

Does anyone know what happens if you pay online through your bank and don't change the reference number, how do you get the money back? Despite warning my father about it he went ahead and paid €1500 online through his bank. :eek:

Contact Avant card and give them the reference number that he used. The payments all arrive into a holding account they'll be able to chase it up.

ainiseoir · 14-04-2013 2:58pm

Solair wrote: »

You're better off ringing the 071 (Leitrim) number on the back of the card rather than the 0818 number. If you're free landline calls it will be free or if you've inclusive minutes on your mobile, it will come out of those where as 0818 gets charged separately.

Since you're likely to be holding for ages, there's no point in paying and both numbers reach the same system.

It's (071) 965 6262

That's the best bit of advice I've seen since this changeover caper started.
Goodness knows what I've paid for calls to that 0818 number

Galadriel · 14-04-2013 7:41pm

Solair wrote: »

Contact Avant card and give them the reference number that he used. The payments all arrive into a holding account they'll be able to chase it up.

Turns out his payment went through ok even without the correct reference number.

born 2 shop · 14-04-2013 10:03pm

:mad:Has anyone been able to read their statement on-line yet? I can see my balance and payments pending but haven't seen any transactions/credits made in the last 4 weeks. This shower really need to cop on now. This is going on far too long!! Very surprised there hasn't been much made of it in the media. I haven't received any statement either and that is overdue. I have no intention of paying my bill without seeing the transactions put through on it.

yop · 14-04-2013 10:50pm

Still no statement from them. Bunch of jack asses

quenching · 16-04-2013 10:37am

No statements for me either, I asked where it was last week and they said they'd sent another, still haven't received that. Now I"m locked out of my account on their website as its tells me I got the letters from my memorable word wrong too many times, which I didn't, I got them right every time I Was asked for them but it refused to accept them. Tried calling them and was cut off after 7 minutes on hold, bunch of morons.

quenching · 16-04-2013 10:42am

quenching wrote: »

No statements for me either, I asked where it was last week and they said they'd sent another, still haven't received that. Now I"m locked out of my account on their website as its tells me I got the letters from my memorable word wrong too many times, which I didn't, I got them right every time I Was asked for them but it refused to accept them. Tried calling them and was cut off after 7 minutes on hold, bunch of morons.

Cut off again after 6 minutes.

armian · 16-04-2013 10:43am

Does anyone have an update on when we will be able to see recent transactions on line? "Coming soon..." is getting a little tiresome at this stage. Do existing Avant customers have this problem or is it just MBNA folk?

ainiseoir · 16-04-2013 12:05pm

quenching wrote: »

No statements for me either, I asked where it was last week and they said they'd sent another, still haven't received that. Now I"m locked out of my account on their website as its tells me I got the letters from my memorable word wrong too many times, which I didn't, I got them right every time I Was asked for them but it refused to accept them. Tried calling them and was cut off after 7 minutes on hold, bunch of morons.

Isn't it odd that people who were dealing quite easily with this outfit in MBNA days are now assumed to be a bunch of thickos when they ring up with a problem such as yours.
These, like too many attempts.would seem to be problems that those who knew what they are at could sort out in a tic.
I wonder if the main computer governing our lives is not in Lovely Leitrim, but in siesta land.
It would partially explain why, if it can't be sorted locally, you may "whistle for ducks"!
Don't forget their landline number if you intend to keep ringing them 071-9656262. It might put a better look to the eircom bill if nothing else.

BuffyBot · 16-04-2013 12:48pm

Do existing Avant customers have this problem or is it just MBNA folk?

There are no existing Avant customers. All Avant customers are former MBNA customers.

On another note, I got my statement today and notice the account number is no longer the same as the credit card number. A small change, but interesting nonetheless.

born 2 shop · 16-04-2013 4:58pm

Got my statement also today. A week later than normal I might add but at least I got it. Does anyone know why there is an 'issuer markup assessment' on sterling transactions?? I made 2 puchases to UK companies online and the conversion is in euros, which is correct but there are further charges of €7.15 & €4.88 on each transaction. Whats that all about. At least MBNA just showed you the conversion rate. I clear my bill each month so its not outstanding. I hate this shower of dopes.......

vicwatson · 16-04-2013 5:10pm

I wrote to Avantcard last week to make an official complaint and advised them that if my card is used fraudulently for any reason as I cannot see my transactions online, I will not be held liable for any costs in relation to it.

They seem to be a big joke so far, not able to look at transactions or statements online is a joke.

You speak to them in Leitrim and they are saying the equivalent of shrugging their shoulders. It's a complete joke at this stage.

Bad start Avantcard, VERY bad start

vicwatson · 16-04-2013 5:12pm

born 2 shop wrote: »

Got my statement also today. A week later than normal I might add but at least I got it. Does anyone know why there is an 'issuer markup assessment' on sterling transactions?? I made 2 puchases to UK companies online and the conversion is in euros, which is correct but there are further charges of €7.15 & €4.88 on each transaction. Whats that all about. At least MBNA just showed you the conversion rate. I clear my bill each month so its not outstanding. I hate this shower of dopes.......

What did Avantcard say about this?

vicwatson · 16-04-2013 5:15pm

armian wrote: »

Does anyone have an update on when we will be able to see recent transactions on line? "Coming soon..." is getting a little tiresome at this stage. Do existing Avant customers have this problem or is it just MBNA folk?

Spoke with them yesterday about an Issue I was having with setting up their "verified by visa" layer of security and I asked them about this, they said they are still working on it, the spanish are in town (ah ha that's why it's not getting done until tomorrow - mañana mañana eh!) and they STILL have no idea when this will be up and running. Sigh :mad::mad::mad:

Davy · 16-04-2013 5:39pm

vicwatson wrote: »

Spoke with them yesterday about an Issue I was having with setting up their "verified by visa" layer of security and I asked them about this, they said they are still working on it, the spanish are in town (ah ha that's why it's not getting done until tomorrow - mañana mañana eh!) and they STILL have no idea when this will be up and running. Sigh :mad::mad::mad:

Are you blocked?

I had a problem with it, locked me out, unblocked on the phone, then unblocked again, but no issue since I used the name on the card including the Mr. Used verified by visa few times since without any issue.

Shadooby · 16-04-2013 6:23pm

Hey guys,

My mother just got a Credit Card Statement from AvantCard which has her limit on it but she has no clue what this card is, after doing some googling, I found this thread and that they used to be MBNA or something to that affect.
The statement mentions that she has €4,500 available to spend, I assume this is he limit
The problem is, my mother never had an MBNA card of any type, she's always been with AIB.
She's rather confused as to why she is recieving this as am I.
Can we just ignore this statement?

Cheers

Red About Town · 16-04-2013 7:00pm

Shadooby wrote: »

Hey guys,

My mother just got a Credit Card Statement from AvantCard which has her limit on it but she has no clue what this card is, after doing some googling, I found this thread and that they used to be MBNA or something to that affect.
The statement mentions that she has €4,500 available to spend, I assume this is he limit
The problem is, my mother never had an MBNA card of any type, she's always been with AIB.
She's rather confused as to why she is recieving this as am I.
Can we just ignore this statement?

Cheers

Don't ignore, find out what is going on. If I was to take a guess - she may have signed up for one years ago and never used it. Possibly it used to be a MBNA Ryanair card that was promoted in Dublin airport.

Shadooby · 16-04-2013 7:10pm

Thanks Red,
I'll give them a call tomorrow, dont think it would have been anything to do with the Ryanair card, she really has no clue about CC's or phone or anything of the likes and anytime she is offered something, she gets me to talk to the person or look up the info before she goes ahead with anything.

Thanks again

Red About Town · 16-04-2013 7:19pm

Shadooby wrote: »

Thanks Red,
I'll give them a call tomorrow, dont think it would have been anything to do with the Ryanair card, she really has no clue about CC's or phone or anything of the likes and anytime she is offered something, she gets me to talk to the person or look up the info before she goes ahead with anything.

Thanks again

She definitely has an account with them. Make sure she is on the line when you call as due to data protection they will not speak to you with out permission. Hopefully you get it sorted out - if need more advice post here.

Berty · 16-04-2013 9:05pm

I had reason to call them the other day to get them to fully outline in simple terms how they apply interest to my account because I was confused by "interest added daily".

The person who I dealt with could not have been politer, friendlier and couldn't have been more helpful. This is odd because I never had the same experience with MBNA(same staff I'm sure) but wholly different in their approach this time.

As soon as my balance is paid down I will not be continuing business with them and will stick with my BOI €1,000 limit. (My AVANT card is blocked by my request so I don't pay stamp duty and pay a low interest rate).

Red About Town · 16-04-2013 9:45pm

Beer Baron wrote: »

I had reason to call them the other day to get them to fully outline in simple terms how they apply interest to my account because I was confused by "interest added daily".

The person who I dealt with could not have been politer, friendlier and couldn't have been more helpful. This is odd because I never had the same experience with MBNA(same staff I'm sure) but wholly different in their approach this time.

As soon as my balance is paid down I will not be continuing business with them and will stick with my BOI €1,000 limit. (My AVANT card is blocked by my request so I don't pay stamp duty and pay a low interest rate).

Like calling through to any call centre; some employees are better dealing with customers than others.

elroy45 · 16-04-2013 10:09pm

ncmc wrote: »

The account details for Avant Card are the same as MBNA, so you're payment should go through ok. I paid via EFT a couple of weeks ago and it went through.

The lack of recent and pending transactions is beyond a joke at this stage, how long does it take to get this sorted, it's going on weeks at this stage.

Made a payment through my AIB account recently using the MBNA details, payment credited to my Avant account fine. Made a withdrawal from Betfair account recently using same MBNA details but no sign of it on Avant account yet and its well over a week now. Anyone else having problems getting payments credited? I didnt change any payment details with bank/betfair account or otherwise.

The website or excuse of a website they have is a joke. Looks amateurish to say the least. Considering its presumably the same staff in leitrim that MBNA had, im surprised with the disaster Avant card has started with.

Red About Town · 16-04-2013 10:39pm

elroy45 wrote: »

Made a payment through my AIB account recently using the MBNA details, payment credited to my Avant account fine. Made a withdrawal from Betfair account recently using same MBNA details but no sign of it on Avant account yet and its well over a week now. Anyone else having problems getting payments credited? I didnt change any payment details with bank/betfair account or otherwise.

The website or excuse of a website they have is a joke. Looks amateurish to say the least. Considering its presumably the same staff in leitrim that MBNA had, im surprised with the disaster Avant card has started with.

Probably the same staff but without the support of a massive corporation that is Bank of America.

Nirvana999 · 16-04-2013 11:19pm

Yippeeeeeeeeeeeeee... Online payment now working from laser

vicwatson · 16-04-2013 11:39pm

Davy wrote: »

Are you blocked?

I had a problem with it, locked me out, unblocked on the phone, then unblocked again, but no issue since I used the name on the card including the Mr. Used verified by visa few times since without any issue.

Do you mean blocked by verified by visa?? I was blocked and that's why I had to call Avantcard to unblock me as I was using the old MBNA details initially then tried to set up a new verified by visa name and password and it asks you the most ridiculous questions to do this.

It requires a main card holders details also - even thought it doesn't state that.

AvantCard - MBNA

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