We pay our credit cards off every month, and are not late -- unless we don't get the bills. Four times now my Bank of America credit card bill has either arived late -- after the "pay by" date -- or not at all. The company says they aren't responsible for the U.S. mail service not delivering the mail. Well, it's strange that my BoA bill is the only bill that arrives late (or never) -- and it's to their advantage for me to be late, because then they get to charge me interest plus a late fee. They say I can bank online -- but I've had bad experiences with identity fraud -- no thanks!! read full review »