I was informed by MBNA America that if I did not use the mailing envelope provided from them that it would take 10 extra days to process my payments. That would make my payment late. I hardly ever used the envelopes and know when I looked at my history for them I am always late. This increases my interest owed and messes up my credit rating. I also am waiting for a response from the phone calls and letters that I have sent them with canceled checks regarding a payment I sent. read full review »