There have been many posts about the First Option credit card. This card is is underwritten by Millinium Bank. Their contact number is 732-729-1100. You will be connected about three times before you speak to someone who handles First Option cards. If you are calling about a refund, as I was, they will ask you to write a letter of cancellation and fax it to them. I was told I would be contacted withing 48 hours with refund status. Hope this helps.
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