Fool me once, shame on me. Fool me twice, shame on you.

A couple of months ago, my credit card statement from these clowns arrives. The statement arrives the literal day before the statement due date. Paid online, then called to complain. Customer service was not particularly helpful. I have two cards, and this card isn't the one I use most often - in fact, it's a rare month when I pull it out, because of past glitches with it mainly.

So, for the last two months, the card had not left my wallet once. Not swiped, not used. So it was no particular surprise that no statement came for January from them.

Except I had forgotten a website I own was registered with this card, and its renewal fee hit. No credit card statement came, however, until yesterday, when I was hit with a late fee, a finance fee, and past due warning. Oddly enough, this statement hit with a payment due date 3 weeks from today.

I have canceled the card, naturally, after spending another unproductive hour on the phone with these jackals. I religiously pay my credit cards off in full every month, precisely because I do not want to pay the usurious interest rates these companies charge.

I CALLED TO ASK FOR A BETTER RATE THAN THE EXTORTIONIST RATE OF 25% AND RATHER THAN PROVIDE ME ONE THEY REDUCED MY CREDIT LIMIT IN HALF EVEN THOUGH I HAVE A THIS ACCOUNT FOR 19 YEARS AND HAVE BEEN MAKING PAYMENTS EVERY MONTH ON TIME.

THIS IS EXACTLY WHAT IS WRONG WITH THIS SYSTEM AND I AM CLOSE TO PAYING IT OFF AND WILL NEVER NEVER NEVER USE IT AGAIN.

BY REDUCING MY LIMIT MY CREDIT SCORE IS THUS LOWERED WHICH IS TURNS GIVES YOU THE "RIGHT" TO CHARGE ME A HIGHER RATE!! NICE WAY TO TREAT LONG TERM CUSTOMERS. IN ANY OTHER INDUSTRY YOU WOULD BE OUT OF BUSINESS.

I AM FILING COMPLAINTS ALL OVER, INCLUDING NOTIFYING THE PRESS, BECAUSE THIS IS HOW YOU CAN JUSTIFY CHARGING SO MUCH!!!

EVER SINCE FIA TOOK OVER FOR BOA CREDIT YOUR CUSTOMER SERVICE IS HORRIBLE!

I used a new checking acct to make my monthly payments. FIA Credit Cards online payment company initially stated all was wonderful but then a few days later told me the payments were unsucessful. As the payments were well ahead of the due date I attempted to remake payments but the payment company blocked my efforts and would not co-operate with me to correct the payments.. I had to go directly to the financial institution I had set up as the "pay from" account and set up the payments directly from their bill pay system as the problem was not insufficient funds just incompetent people unable to process my payments at FIA's check free bill pay system! Due to this fiasco with their "Bill Pay" system I was penalized with multiple fees and my account closed ---because of MY ACTIONS!!! My actions were to make 2 payments totalling well over my minimum payment due weeks before my pay by date!!! The check free bill payment system screws up processing the payments as it was newly submitted checking account information?? and I am suddenly a credit risk and unworthy to be a customer.

I have been a card holder for 10+ years. I've had the rate of 6% the entire time. I've been paying $100/Month, and have been doing so for about 5 yrs. I get charged $16 or so per month in finance charges, and occasionally make purchases. I don't even look at the statements except online to make sure no charges appeared that I didn't authorize. I'm willing to eat the $16 for the convenience of keeping the 6% rate.

I've continually held a high balance because I've been paying off other debts for these 5 years, and am 3 months away from doing so. This month I noticed on my credit monitoring service that I had a delinquency. I immediately went to my Bank of America site to make sure the payment had gone through. It had.

Low and behold my interest rate had been raised to 19.99% without my knowledge. they had also doubled my minimum payment. I had been lax for the last 3 months, and have now amassed several hundred in late fees and will have my credit destroyed.

Can anyone help me to figure out if I have any recourse? Are there any class action lawsuits out there currently in regards to this? If not, any lawyer want to start one. This is obscene and violates any sense of decency in lending. My debt to incom ration is miniscule, I haven't been delinquent in over 4 1/2 years (they were aware of these). My available credit is pretty substantial, my score is mid-700's, and they are mailing me a statement as to why they raised the rate, but the gist was "concerns over the balance being carried, along with something on a recent credit inquiry that have caused us to raise the rate". I have made no purchases, no new credit, no credit line increases, nor anything which should trigger this.

The rate had gone from 6% to 19.99, and apparently now has gone to 29.99% this is institutional rape. I will be facing years of a lower credit score because some analyst decided that if they raise the rate on a certain niche of people, only "X" percent wil actually check their statements, and because we are so big, they will be forced to pay us fees. This should result in a direct boost to the bottom line of "X"/ per 1000 people we arbitrarily raise the rates on.

This is disgusting and violates fair lending practice.

In this time when the country needs people to spend, I’ll eliminate all credit, not purchase until later and wait until I get cash. I know this is the sensible thing to do, but the credit card companies should throw a parade for people who carry a high rotating balance and pay on time.

I need some legal help, and I'm sure I'm not alone. I now know that I should check my interest rates and every little thing on every piece of paper I receive from every company.

I'm going to need an assistant to do this. Maybe I'll just sue the crap out of them, and have the money to pay to have someone check the fine print on every monthly statement I receive. I’m serious, if there’s a lawyer out there doing this or thinking of doing this, I’m in. FIA, if you’re reading this, shame on you.

The employees--customer satisfaction representatives--are a joke--and so is upper level management.

Any issue I have ever had has ALWAYS turned into a major production. I have been outright lied to, treated rudely, received the most ridiculous answers, etc Even the "Supervisors" are inept. The only thing that has saved me is the fact that I accidentally learned that the Comptroller of the Currency can step in and clear things up.

How in the world does this credit card gather enough income to pay the former CEO a $24 million dollar golden parashoot!!!

No wonder the rewards program is so attractive!!!

What is a "good" Visa card to apply for?