www.fiacardservices.com reviews

From the day the very first bank issued a credit card, this simple piece of plastic has been both a boon and a nightmare. Before you sign on the dotted line you need to take the time to compare credit cards and make sure are getting the best possible deal you can. Not only can credit cards get you the things you want but cannot afford to pay for all at once, they can put your so far in debt that you can end up in serious financial difficulties.

There are several things you need to look at when you set out to compare credit cards to make sure you are getting the best overall package. The first thing you should be looking at is the interest rate, while there are other fees that you are going to end up paying, it is the rate of interest that determines the bulk of what you will be paying for the privilege of actually having any kind of credit card.

Here you need to be very careful as many cards offer a very low introductory rate and after the first six months or a year, will raise your rates to one that is much higher than many of the credit cards you probably turned down in favor of the super low rate. Read the whole contract before you activate and start using any credit card to make sure that you are not going to end up in this situation.

Follow this up with a very close look at the rest of the fees that each card is going to charge you. As you compare credit cards look for fees such as charges for an extra card for your spouse, monthly or annual maintenance fees, annual membership fees and over limit fees. Also pay very close attention to what steps the issuer will take if you are late on a payment or miss one. Penalties can include but are not limited to increases in your interest rates that can be significant, late and over limit fees that can add up to be quite large and even cancellation of your account and demands of payment in full.

If you are serious about getting involved in this type of unsecured loans, you will find that it pays to compare credit cards very carefully and find one that has the lowest possible combination of interest rates and fees. You should also only compare those from reputable and well-known companies to ensure that the company you are dealing with is not going to go out of business or merge with another bank.

There have been a lot of people who are posting about their FIA credit card complaints over the internet. Claiming that FIA is a legal scam and the general public should refrain from obtaining credit cards from the said company. However, in accordance to due process let us grant FIA the benefit of the doubt. Let us have a brief background about the company.

Previously known as the MBNA Coporation, FIA card services is a subsidiary of the Bank of America. Just like any other card services, FIA also offers managing your credit card transactions on line by logging on to www.ibsnetaccess.com. If you try to go to the given website, you will find a single page with very minimal content. There’s not much of information about the company. It’s as if the page is only meant for enrolling your account online. However, another website that goes by the URL: http://fiacardservicesxxx.net, is giving information about FIA card services but disclaims any relationship to the company. In their About tab, you can find these statements: we are just a website for review about fia card services.We have no connection, no relationship with www.ibsnetaccess.com.

I have personally spent some time searching for contact informations about FIA card services but have considerably failed in doing so. I do not know if I’m just not good with finding information or there’s just no information to be searched for anyway?

Anyhow, let me give you a list of FIA credit card complaints that I had no problem searching for in the internet. In fact, there are so many of it that I got overwhelmed. So here goes:

• First is an FIA credit card complaint claiming that he did not even apply for a credit card from FIA but received an e-mail from the said company, welcoming him as their newest customer. He has been finding ways to inform the company that he doesn’t want the credit card, but failed on doing so because there seems to be no way to contact them.

• The second FIA credit card complaint, on the other hand, talks about paying early to avoid being charged of an overwhelming 39 dollars late fee. However, due to paying too early, he was still charged of a late fee. Do the analyzing.

• Another FIA credit card complaint claims of his card number being changed because of suspected fraud without any contact to him. However, when on a trip, the card was blocked due to a fraud alert and could not use it for the rest of the trip.

• In addition, an FIA credit card complaint claimed of poor and terrible customer services.

• Also, a lot have been complaining about their credit card limits being lowered. They claim of religiously paying their bills and that the FIA card services don’t have any grounds of changing their rates.

The above FIA credit card complaints are just a few of the overwhelming grievances that the customers have been posting in the internet. So after these things being presented to you, what do you think? Is FIA card services a scam? You be the judge.