Never late on any of my credit cards, all of a sudden I am, according to FirstUSA credit card, late on 2 payments. So the penalty is $35.00 for each late payment, plus a hike to 22.99% interest. I have a 5, 000.00 credit limit and the minimum payment I have to make is $100.00. Most of the time I double it, but now am paying minimum until I get this thing resolved. I was not late, not a day and now I found out just how crooked they are. My bill came back. Hold on to you hats! Out of the $100.00 payment, 46 cents went towards the principle. $99.54 went to the interest! read full review »