I became a customer of FUSA by default when they purchased Chevy Chase card division. FUSA increased my interest rate from 8.75 to 17.5% When I called they offered to lower it to 15.9% but would not explain why it should be that high. They would not let me speak to a supervisor and were very arrogant until I gave up. They also started to charge me $35 late fees when I had sent in the payment several days ahead of time. A phone call got the late fee removed but they still had my account listed as late. The game here is to have the customer listed as late twice in a 6 month period so they can justify an interest rate increase.
I have closed my account after a number of calls to the service center ended with either myself or FUSA hanging up after the conversation turned ugly.
Be aware that Wingspan promoted on the Web is the same bank as FUSA. Also FYI, FUSA is owned by Bank One and the parent is GE.