This concerns a Visa account I have had for 12 years through my credit union. In that time I have never missed a payment or been late once. Recently, my credit union sold off their card operations to FIA Card Services. FIA Card Services specializes in sending out billing statements that are cleverly disguised as "junk mail". Apparently I threw out a billing statement a couple of months ago, mistaking it for junk mail. This caused me to be late on a payment, ONCE. Realizing my mistake I called FIA immediately to explain. They... read full review »