FIA Card Services Complaint - FIA Credit Cards - Don't use them!
FIA Credit Cards are a Scam! They offer a 0.0% one year promotional. But if you make one late payment (even 1 or 2 days late) they slap you with a $39 late fee, remove the promotional rate, AND slap you with the finance charge all at once. "But it says in the (fine print)Terms Agreement..." that the promotion expires the minute you make a mistake and are late with a payment!
No one time exception, no negotiating the $39 late fee - ouch! It appears that they get you signed up and just wait for you to make a mistake so they can slap extraordinary fees on to your already over charged bill. How is anyone supposed to get ahead if the fees add up to your last payment - which you got no credit for paying above and beyond the minimum due.
Don't use this card! It's a legal scam.