i really hate mbna.
i did the whole apple instant loan thing a year and a half ago to get my quicksilver. NEVER AGAIN! they suckered me, i ended up with a 24.99& APR (and this was two weeks before the 9/11 0% APR stuff started).
in the end, i transfered the purchase to one of the fifty 0% cards i got that week, and have been bouncing it whenever the intro rate dries up.
So for your problem, if you have to finance through MBNA (as most young people do), go ahead, and be ready to transfer the balance that day to a 0% card.