In June 2009 I paid off my Chase VISA. I only keep it for the Marriott Rewards points, and pay it off each month. I didn't receive a statement in July, but I didn't think that was strange since I had paid off the balance. Two days ago I received a bill saying $8.71 was past due, and I also owed the $39 late fee! I had never been late with a payment, so I figured one call would get the $39 credited back to my account. I dealt with an imbecile named (supposedly) Porsche, who took the information and told me to hold on. Then she just... read full review »