Revolving credit card balance from November 2010 was paid in full (card balance of $180 plus change) to Macy's. December - I bought a Christmas ornament for total of $7.45. Went out of town for Christmas 2010 and missed paying my $7.45 Macy's bill before the January 22, 2010 deadline. Criminal, I know. Received my January statement and they charged me a late fee of $7.45, and a minimum interest charge of $2.00 (if your computed interest for the month is less than $2.00 - too bad, you pay $2.00, minimum). Paid the $16.70 on Feb 9... read full review »