I had a balance of $10.09 on my Orchard Bank credit Card. When I went online I was shocked to see the I had benn charged a $30.00 late fee. i immediately got on the phone and called the customer service department and talk to someone who only gave her name as "Lisa". I asked her, "What kind of criminal organization aare you working for?". I proceeded to explain how I was charged $30.00 in late fees on a balance of $10.09. She said that even if the balance was one dollar ($1.00) that $30.00 was what they charged in late fees. So... read full review »