For those of you who have a credit or debit card through First Niagara--be careful who give your MasterCard number too. If you give your card number to a merchant who does not deliver their goods or services as promised, and you try to initiate a chargeback, First Niagara will put you through hell. For example, I had a charge from a merchant for $3, 337 for a web design project. It’s a long story, but to make it as simple as possible for all of you to understand…the merchant (who is just a lady out of California) had stated to me... read full review »