FIA Card Services is the subsidiary of Bank of America and is based in Wilmington. Established in 1982 in Delaware as a small institution, FIA Card Services offered innovative credit programs and loans to individuals and businesses through different banking services, and soon grew as the world’s 9th largest financial institution. FIA Card Services can be availed by an individual, small sized business owners, medium scale enterprises and commercial applications. The services offered are numerous and vary according to the individual or business needs and priorities.
One can choose from health and personal insurances, assets management, retail deposits, consumer loans, business loans, and much more. In fact, the popularity and preference for FIA Card Services is due to their ability to mould the services offered according to the needs of the customers. Customization and flexible options for repayment and interest rates is what made FIA Card Services one of the highest preferred card services in Unites States of America. Here is better insight into the advantages and downsides one would experience upon applying for the FIA Card Services:
FIA Card Services Review – Advantages
Immense Flexibility
The customers of FIA Card Services can never claim that they received a card with options and provisions that they never wished to avail in the same place. Whether it is a retail loan that one wishes to apply for, or a simple credit card service, or a health insurance policy – FIA Card Services can be customized according to the individual needs of the consumers. The personalization can be done to please one’s loyalties, interests and even passions. The FIA Card Services has been availed by thousands of football fans and members of the National Football League teams and other sports organizations.
Exclusive Rewards Programs
The rewards programs offered by FIA Card Services cater to the interests, hobbies and pursuits of the individual or commercial cardholders. For example, heavy commuters and long distance travellers can apply for the gas rebates or discounts rewards program, and those who fly in and out of the country on a frequent basis can take advantage of the air miles rewards program or enrol into the frequent flyer rewards programs. There is a lot of scope for customization possible with FIA Card Services, which explains its popularity amidst people.
Low APRs, long repayment tenures
There are several individuals who do not find themselves capable of enduring high interest rates or short, deliberate repayment tenures. FIA Card Services come in handy for them, for there is a plethora of options to choose from, all of which offer as much flexibility of repayment tenures and as low interest rates as possible. For example, applying for Citi Platinum Select MasterCard with the aid of FIA Card Services enables one to enjoy an ongoing APR as low as 11.99% for a total of 21 months, while the annual fee for membership and subscription stays at an attractive zero.
Innovation and dedicated customer service
FIA Card Services believe in bringing in ongoing innovation and rolling out attractive benefits, rewards and services for the customers who have applied for personal or business credit services. In fact, it was the first company to have introduced 24 hour customer service in the first place – an initiative which was later adopted by most other financial services companies. FIA Card Services aim to delight all its customers and this reflects in their drive to roll out newer loan plans and insurance policies, and better associations with the help of customized rewards programs.
Ease of application
The creditworthiness and credit history of an individual or business is not taken as seriously as in other competing financial services, which is why owners of newly established businesses and individuals suffering from credit problems also tend to apply for FIA Card Services.
Ease of access
FIA Card Services can always be availed online, once you have finished the basic enrolment process on their official website. The account can be accessed at any time from the comfort of one’s home or from the office while at work.
FIA Card Services – Disadvantages
Several customers have found the eagerness to please on part of the FIA Card Services team to be pestering and bothersome.
The presence of too many credit card and loan services causes undue confusion amidst the customers as well as the newly recruited staff members at several of its collection centres and customer service points, which often leads to scores of mistakes and wrongly calculated repayment amounts. The initial intention to please the customer thus turns into an ongoing on both the sides, and can lead to severe harm to the company’s credible reputation.
The presence of too many rewards programs has led to confusion and half-baked redemption rules, which again continues to annoy several customers. Proper planning and well-formed redemption policies in the first place would have saved a lot many hassles for both the customers as well as the customer service staff at FIA.
The redemption of the rewards and points is not possible once the card or loan goes into the overdraft mode or expires. Hence quick redemption of the accumulated points is always advisable.
FIA Card Services – Login Process
The FIA Card Services can be accessed only once you have registered with their online portal. The transactions and status are regularly updated, and one can view and manage their accounts only upon registration. The entire process is immensely easy, thanks to the simple instructions and customer friendly interface. What is more, one can choose to login at any hour of the day or night, which makes it more convenient to manage their transactions and accounts. Different accounts can be enrolled into a single login.
The enrolment process requires one to simply fill in the essential personal details and security information. The details and identify of the accountholder would be verified in the shortest time span possible.
Contact details
The customer service can be contacted toll-free at 1.800.655.1491, 24 hours a day, 7 days a week. Enquiries can be made on their official website www.ibsnetaccess.com.