1st Financial Bank complaint

I am writing this complaint towards 1st Financial Bank, credit card division. I was trying to find the website for this bank because I was sick and tired of mailing the payment, for the peasley $250 credit limit Visa they sent my 18yr old son, and having them say that from Pa to South Dakota 7-10 days and it was still arriving late. Then, if you want to pay for it over the phone its some outrageous fee, like $14.95 or something like that! One time he came back from visiting his father out of state and had used the card up to like $237 and I mailed them the payment, not the minimum mind you, the whole amount and they claimed it got there late hit me with a late charge and then that supposedly brought me over the limit and then they hit me with a OTL charge. $78 in charges for a card that they are bragging is for college bound kids!!! Are you kidding me, instead of saying well the payment may be one day late, which I don't believe for one minute, but its the whole balance so since we are claiming that we are a bank trying to help college kids on the road to adulthood, lets just maybe let the customer know that it arrived late from where she mailed it so they need to mail it before they did, or go to our website. My other credit card did that and even gives a 3 day grace for mail or holiday holdups after the due date!!! I have the same identical complaints as the consumer who's letter is posted "August 26, 2006" on your first page right now, word for word. This bank has alot of butt kissing to do to their customers, they really need to send gift cards or raise credit limits or skip a payment options, all things that Chase, Capital One and Aspire all do just because they do appreciate their customers. My one credit card no longer charges me an annual fee, for having the card for 5 yrs and I had some late payments with them when my husband was hospitalized and they even asked if I need to skip a payment! 1st Financial Bank, stop trying to take advantage of these struggling college kids that really believe you are on their side, and stop harrassing the parents like they are trying to get over on their pathetic little credit card when we are just trying to pay our childrens bills because they are in college and only work full time in the summer and on breaks and part time every other time! YOU NEED TO APPRECIATE YOUR CUSTOMERS!!!

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Rip off!!Sigh up and they give you fees, and have no crediton your card.All you get is intrest!!Never used the card and now have a balance of 900.00.Just fees!! Now we a re being sued, and never used the card!!