well i got a credit from Carnival cruise line on a certain card number and first citizens said they have no record of this account, this is after about 10 calls and MANY hours on phone with their SPECIALIST. they were rude and said nothing they could do and i begged them it was over $1600 and i used the card for 2 years, WELL i went to my local first citizens and a NEW girl took 2 hours with me and found the card was wa was good then and she called Carnival herself User's recommendation: their card services are bad and that is not first time i had trouble with them.