WILMINGTON, DELAWARE -- All of your complaints are valid.
Statements- When 50% of your calls say you did not receive a statement, it's believable. Of course they are not mailing them in an appropriate time frame and the great old United States Postal Services gets all the blame, it's 99% of the time a lie. It would be different if it were only a couple here and there, but such is not the case. Of course they will tell you there are laws that mandate a time frame for mailing, but any company can cook the books. If you receive e-mail alerts make sure your SPAM filters are lowered, or you will stop receiving alerts possibly default which leads to higher APR.
Fees- There are 2 tiers of card holders Prime (worldcard) and Middle market (platinum). If you are prime you may be given a one time courtesy fee adjustment, if you are middle market forget about it. Overlimit fees, again middle market customers will receive one at any time they go over their credit line within the statement cycle. There is NO grace period. Fees are profit for the bank, yes they've got to earn money.
Payments- If you have experienced a payment hold, think about it the longer the bank holds your money on the books, the more interest they earn (profit). Payments posting one day after the due date, to keep the processing low the payment processing center has up to 4 days to post your payment. Use the FREE payment options (web and auto phone system) by 7 pm EST (safest bet).
Complaints- The supervisors, managers, and executive office do not care, they will read you a scripted line of ear candy. The only complaints that get any attention are those filed with the BBB or FTC, they do not want the scrutiny of their business practices. But, the bank knows that 98% of those who threaten to contact these agencies do not follow through, they bank on it. So, follow through and you may get results.
Solicitations- for Account Protector, Vip and other CRAP, OPT OUT people. You can do so on the web site under the "Alerts and Profile" section, under "Profile"
As a personal consumer and credit card carrier for 10 years I have never had the problems with any of the 3 cards I carry that I have heard day in and out from my customers. We actually pity the fools who use our cards because we know at some point they will be burned. If your card is affiliated with one of our partners (Apple, US Airways, etc there are 61 partners) complaints to the partner will have them thinking twice about the company representing them. And it works Apple ended the contract with Barclays quietly switching to the Juniper Visa with iTune rewards because of the complaints that they received and not wanting the affiliation to tarnish their reputation.
Protect yourself, read the fine print. Always request promises made to you in writing (so you have proof, duh)