I think all of the complaints about FIA Card Services is absolutely ridiculous.A lot of the complaints can be explained by customer who did not read their terms and conditions or can be explained by customers setting up payments and forgetting about it a month later.
The packet of small writing is not provided to you to stick a file cabinet or throw in the trash. Read it. Also, all businesses have policies. I agree the policies may include lengthy time frames for things to happen and it may be unpleasant, but there is a reason for these things.
That is with all businesses, not just credit card companies.
I'm not saying that FIA Card Services is flawless, but what company is?Own up to your mistakes when they are your's and keep a record of not only what the representative did for you that day, but also what you said to the representative.