I had one of these jokers card a few years back. After a month the card was rejected because I was over my limit.
This was a bit of a surprise given that I had only used it twice. When I called the switchboard I was informed that I had spent £17k on a caravan. This was clearly fraud as the source of my password I had used is only known to 3 people, one of whom was dead.
After three months of arguing with the company (which refused to accept I knew nothing about this purchase) I finally got through to the police who told me that the chief suspect was one of MNBA's employees. I cancelled the card and never looked back.
Reason of review: Problems with payment.