So i just recently got my FIRST credit card. It was one of those cards where they charge a whole bunch of additional charges, that you have to pay back, but never used. I was fine with that, knowing that i have to build my credit some how. Ive had it for 4 months now, all of which i had paid my payment on time, and $20 more than the minimum payment. This was my 4th month of which i have payed my payment. It was due on the 22nd, i sent it in on the 15th. They then called me daily telling me that they hadnt recieved my payment or that they lost... read full review »