1. Statement was dated as closing on 01/28/2011 but was received on 2/7/2011. 2. Changes announced with the Statement that was 11 pages long changed the terms of that payment due date to 10 days after the closing date of 02/13/2011. 3. Last month the due date was 25 days after the closing date. If I hadn't picked that up I would have been charged a penalty and possibly a rate change. They effectively change the payment due date which is against the new rules. They should have changed the statement closing date. read full review »