<< The lesson, of course, is to stop doing business with MBNA. I had two completely unknown charges--one in October, one in November, total of about $115. They were charged to a card that had actually been cancelled when I switched to a non-student account. Still went through, of course. They would not take care of anything by phone--I had to write in separately each time and even then had to get stern to get them to close the account.
Anyway. >>
It's a visa/mc/federal regulation that you have to dispute it in writing, they weren't being d!cks.