RBC VISA Infinite Avion Consumer Reviews

I have waited over 6 hours so far to dispute a charge. There was an initial call approximately 10 days ago, which was 3-4 hours of waiting and I asked for a more direct number to call after the 15-day waiting period was up. It was the wrong number so I spent another 2 hours only to be told I have to call back today. Now it's been 3 hours and holding as I write.
I do not have a day to waste, simply dispute a charge by a disreputable online business.

Husband and I registered separate Avion cards at the same time. One of the very common promotions was 1st year annual fee waived. I got charged $120 annual fee the 1st time. When I called into customer service to inquire about it, they assured me that the fee will be reversed at the 1st year anniversary. I was reassured this on 2 separate occasions. After 1 year, instead of reversing the fees, they charged me another $120 and said the previous 120 charge is too late to be reversed even though they were the ones who told me to wait 1 year!! Complete scam!

I called to figure out why my bill was so high, come to find out, they took me off the paper bill and I never paid for 4 months. Then, I call and they didn't listen kept telling me... He'll tell me my balance then, next guy blamed me for not remembering to pay! I said I wanted to cancel, they kept me on hold so long, I hung up. What a horrible service. This will affect my credit no doubt, I am so disappointed I have 17k points, he offered a flight..... really.