On January 8, 2009 I received a letter from MBNA urging me to use the attached "access cheques" to consolidate all my debts and put them on my low-interest MBNA Master Card. In large bold print they advised me "7.99% AIR This is NOT a promotional rate!" In the body of the letter they said: "Save with the low 7.99% standard Annual Interest Rate (AIR) that is yours to keep. This is not a promotional rate." Perhaps a promotional rate would have been better, as I would then know how much longer I had to... read full review »