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Default Rates: Your Standard Rate(s) will increase by 5% if your total minimum payment due is late more than once within 12 consecutive billing cycles. If you then pay each total minimum payment due on time for 12 consecutive billing cycles following the rate increase, your then Standard Rate(s) will decrease by 5%.
COMPLETE this quick AND secured application. It should ONLY take 5-10 minutes.
BEFORE you BEGIN this application, please confirm your eligibility:
Why do we ask for this?
(Complete name; do not use nicknames or initials)
(Physical address, no P.O. boxes)
(example: A0A 0A0)
(Complete this section if you have been at your current address less than 3 years)
Yes, my mailing address is the same as my .
No, my mailing address is not the same as my .
How are they different?
(Complete this section if your mailing address is different from your home address)
Why do we ask for this?
Yes, keep me informed about special marketing offers from MBNA.
(Complete this section if you are employed, self-employed, or a student)
(Gross salary before taxes)
Why do we ask for this?
‡Income from alimony, child support or separate maintenance payment need not be revealed if you don't wish us to consider it as a basis for payment.
Yes, my permanent home address is the same as my street address.
No, my permanent home address is not the same as my street address.
How are they different?
(example: home address - when you're in school; permanent address - when you're out of school)
(Complete this section if your permanent home address is different than your street address)
for up to 6 different benefits and a maximum policy coverage of $30,000! By checking this box, I also consent to receiving the CreditWise terms and conditions and the Distribution Guide (for Quebec residents only) in electronic form on this website.
Learn about your optional MBNA CreditWise® coverage
Distribution Guide for Quebec Residents (PDF)
CreditWise Certificate of Insurance (PDF)PDF format requires Adobe Reader
DISCLOSURE STATEMENT AND OTHER IMPORTANT INFORMATION ABOUT THE OPTIONAL MBNA® CREDITWISE® INSURANCE PLAN
ENROLLMENT: You are eligible for enrollment in the optional MBNA CreditWise plan if you are at least 18 years of age and a Canadian resident. Only one cardholder per Account is eligible to enroll and will be insured for benefits. Your coverage begins on the date your application is approved and your Account is opened. Your certificate(s), which indicate(s) your effective date of coverage, will explain all benefits and terms of coverage including exclusions and limitations, and will be mailed to you upon enrollment. In the meantime, if you would like to retain this important information about the optional MBNA CreditWise plan, please print prior to completing your application. You have the option to cancel the MBNA CreditWise plan at any time. If you cancel this coverage within the first 30 days of receipt of the certificate, any premiums charged to your Account will be refunded. The maximum benefit will equal the insured indebtedness (excluding any past due amount or amounts over your credit limit) up to $30,000. Any monthly benefit will equal the total minimum payment due on your Account from your date of loss (a maximum of $500 for initial monthly benefit for loss of self-employment). The insurance coverage for this benefit may be less than: (i) your total indebtedness; and (ii) your total minimum payment due on your Account. If you have any questions regarding this insurance or wish to cancel this coverage, please call Assurant Solutions at 1.800.340.4717.
COST: $0.99 per $100 per month of the greater of your insured cycle-ending balance, average daily balance or balance subject to interest charge plus applicable taxes, to a maximum of $20,000. The cost for coverage will be charged to your Account.
Example: An account with a $1000 cycle-ending balance, a $800 average daily balance and a $800 balance subject to interest charges would incur a cost for coverage of $1000 x $0.99 per $100 = $9.90 plus applicable taxes.
BENEFITS AND TERMS
Involuntary Unemployment / Disability: Payments will be made for up to 24 full months, or until you return to work, or until you receive the maximum benefit, whichever comes first. Benefits begin after the 30th consecutive day of unemployment or disability and are retroactive to the first day of loss. For involuntary unemployment coverage, you must be gainfully employed at least 30 hours a week for an employer other than yourself for a period of 90 consecutive days prior to the date of loss.
Exclusions to involuntary unemployment coverage include: disability caused by accident, sickness, disease, pregnancy or childbirth; voluntary resignation; retirement; voluntary forfeiture of salary, wages or income; or termination as a result of willful misconduct or criminal misconduct.
Exclusions to disability coverage include: intentionally self-inflicted injury, normal pregnancy, pre-existing condition begins within the first 6 months of coverage that required treatment during the 6 months immediately preceding the effective date of your coverage.
Loss of Self-Employment: Payments will be made for up to 6 full months (maximum monthly payment $500). To be eligible, you must be self-employed and your business must be incorporated for a period of 24 consecutive months prior to your date of loss and must be forced into creditor induced bankruptcy evidenced by court documents. You must remain unemployed from gainful employment (working for an employer or being self-employed at least 30 hours per week) for more than 30 consecutive days.
Exclusions to self employment coverage include: voluntary forfeiture of salary, wages or income; closure of business due to willful misconduct or criminal misconduct; or bankruptcy within the first 12 months of the effective date of your coverage.
Accidental Death Insurance/Accidental Dismemberment/Critical Illness: For accidental death, the benefit will be made in the amount of your insured indebtedness at the time of death. For accidental dismemberment benefit the payment will be made in the amount of the insured indebtedness at the time of the accident for the total and irrevocable loss of a hand at or above the wrist, a foot at or above the ankle, or the sight in one eye. For the critical illness benefit, the payment will be made in the amount of the insured indebtedness at the time of diagnosis for heart attack, stroke, cancer, coma, coronary artery disease (bypass surgery only), major organ transplant, multiple sclerosis, muscular dystrophy, paralysis, renal failure, Alzheimer or total blindness.
Exclusions to accidental death coverage include: suicide or intentionally self-inflicted injury, while sane or insane; war or act of war, whether declared or not; using or taking any narcotic, barbiturate, or any prescription drug unless used or taken as prescribed by a physician, or any over the counter drug unless used as directed by the manufacturer; accident occurring while you are intoxicated; accident occurring while riding in an aircraft or device or aerial navigation except as a passenger, for transportation only (not as a pilot or crew member); committing or attempting to commit an assault or other crime; sickness or disease, bodily or mental infirmity, or medical or surgical treatment of these; bacterial infection; loss due to a moving vehicle engaged in a contest of speed; normal pregnancy childbirth or elective abortion; participation in a riot; or accident occurring while riding in an aircraft owned, operated or leased by or on behalf of you or your employer.
Exclusions to critical illness coverage include: a disease or condition first diagnosed within 60 days; a disease or condition that was diagnosed prior to the effective date and have not completed a period of 180 consecutive days free of all symptoms, medical treatment/services including taking drugs/medicine for such disease or condition; if the disease or condition does not meet the definitions as stated in the Certificate of Insurance; or non-invasive cancer in-situ, Karposi sarcoma, Stage 1 Hodgkin Disease, any skin cancer other than malignant melanomas and localized non-invasive tumors showing only malignant changes.
Exclusions to accidental dismemberment coverage include: intentionally self-inflicted injury; war or act of war, whether declared or not; accident while riding in any aircraft or device for aerial navigation except as a passenger, for transportation only (not as a pilot or crew member); commission or attempted commission of an assault or other crime; sickness or disease; bodily or mental infirmity; or medical or surgical treatment of these; bacterial infection; involvement in a contest of speed; accident occurring while you are intoxicated.
General Provisions :
Payment of any benefit will not be paid which exceeds the lesser of the amount owing under your account at the date of loss and the maximum amount of insurance indicated in the Certificate of Insurance.
If you have misstated your age and your correct age would have made you ineligible for the coverage, no amount will be paid and the premiums paid for any period of ineligibility will be refunded in full.
Complete details on all benefit terms and coverages, including exclusions and limitations, are outlined in the Certificate of Insurance you receive in the mail after enrollment.
Termination/Cancellation/Modification of Coverage: All coverage automatically stops on your Account after: (1) 30 days notice is mailed to you that the Group Master Policies have been terminated; or (2) You notify American Bankers Life Assurance Company of Florida and/or American Bankers Insurance Company of Florida, or us that you want to stop coverage. Critical illness, involuntary unemployment, loss of self-employment and disability insurance coverage automatically stops when you reach the age of 70 years while accidental death and accidental dismemberment insurance coverages will continue beyond the age of 70.
Your coverage will continue uninterrupted as long as your MBNA MasterCard credit card account is in good standing and premium payments continue. Should your account go more than 90 days past due, no benefits shall be payable and no premiums will be charged for coverage until the next billing cycle following such time as your account is no longer 90 days past due.
Underwriters: The optional MBNA CreditWise plan is underwritten by American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida and Assurant Services Canada Inc. and their subsidiaries and affiliates carry on business in Canada under the name of Assurant Solutions under policy forms WFR1 (9/05) R and LUZ (9/05) R. You may contact Assurant Solutions regarding your coverage or to file a claim at 1.800.340.4717, and a claim form will be sent to you. No benefit will be paid without proof of loss which must be provided within 90 days of the date of loss or diagnosis. You are contracting for coverage with American Bankers and not with us. We have a financial interest in the sale of this insurance.
Privacy: The personal information you have given to Assurant Solutions in this application will be used by them to establish and serve you as their customer. Your personal information may be processed and stored in the United States (.S. and may be subject to access by U.S. authorities under applicable laws. You may call Assurant Solutions with any questions relating to the use of your personal information at 1.888.778.8023. Rev. 08/12
By initialing this box, you expressly consent to your enrollment in the optional MBNA CreditWise plan, confirm that you have read, understand and accept the disclosure statement, terms, conditions, costs, benefits, exclusions and the Distribution Guide (for Quebec residents) of the optional MBNA CreditWise plan as outlined above, and understand that credit insurance is voluntary and not a condition of credit.
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