They were super. Physically and emotionally, MBNA's Draconian measures and disorganization were a further drain on my rapidly diminishing health and energy. Hire some humans once in awhile. I'm exhausted, sick with pain and ready to end it all because of these people. Deborah raises a good point.
Death erases all obligations.
Creditors would do well to remember this and at least pretend to be a little compassionate when dealing with those who may be nearing life's end. The customer service representative urged me to reject the rate increase by sending a letter to the special address used for that purpose. So far, I have been able to persuade them to reverse the penalty fees by writing a stern letter with a copy to the Comptroller of the Currency, but the observation that this seems to happen every time suggests to me that this action is programmed into their computers. Com is provided by ConsumerAffairs. Com is an independent service not affiliated with any government agency.