I applied for this JOKE of a card over two years ago. Only once has a payment ever been received late, and that was one day. I recently requested to change my billing due date because I am moving, the request was accepted, so I waited to send out a check. I would pay on line except, opposite of any real company, their charges for on line payments range from $7.95 to $9.95. Low and behold, I was assessed a late fee of $29 AFTER receiving a letter stating my request WAS approved for, August First! So, I figured it had to be a mistake; I called... read full review »