I suspect you are going to default on your loan for WHATEVER reason, but don't try to spread your ilk to other MBNA debtors. MBNA as part of theoir business plan, allows for a certain amount of deadbeats, so just shut up and do your worst. If you want money you don't have to repay, try your local welfare office.
Can I please suggest a wonderful product, you illiterate buffoon? I truly believe hooked on phonics could work for you. If you had a better grasp on the English language, you might better understand the terms of your credit card agreement. Do not blame your your inability to comprehend this document on MBNA, or any other lender. Oh wait, I apologize. What was I thinking? I assumed too much, when I assumed that you had more than a third grade education. I will try to post the entire document in phonetic form in order to accomodate your feeble intellect you mumble-mouthed degenerate.