I just called them up to dump my Apple Loan, which was worse than useless with an $1800 limit and 26.99% (!!!!) interest. I was prepared for a dismal encounter with a “win-back specialist”. Last time I cancelled a credit card the rep was bullying and insulting and I had to be mean to her. After ten minutes of atrocious Christmas music I was in full Customer Service Cringe mode.
Surprise! Not only was the rep really nice and smart, but all he did was ask me why I was cancelling. When I said “Low limit and high interest” there was a short pause and then he said he’d cancel that for me, and send me written notice within five days.
Despite their predatory loans and ridiculous attempts to get me to write checks on that thing, etc.,, I have to say I’m pleased with their attitude when I left.
Be My Blog 
oh i HATE them
I worked for them when I was 18. The day they had reached the 50 million dollar debt mark, they brought us all cupcakes with little green 50’s on them.
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I have an MBNA credit card and I never have any problems with them. Other than the fact that I need 75,000 world points to fly anywhere cool, and you get 1 point per dollar. Basically, I won’t be flying anywhere “for free” until the year 2009.
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Frankly, from a business perspective, that doesn’t say much for their timing…
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