I received aletter from FIA card services dated july, 06, 2009 Reference No : 0264342936 It states that thy are unable to appove the credit card application due to deliquency, derogatory public record(s). My complain is I have never applied for new credit card to them in recent past twelve months ( From july 14, 2008 till today July 15 2009.) As all inquiry to credit bureaus add negative to my credit report, I urge you to take necessary steps . read full review »