Same thing happened to me. I would mail my payment with plenty of time to get there and low and behold, it would be one day late and boop... 39.00 bucks. Well, I called them the last time they did it and told them, "One more time and you are going to be added to my, 'your paid list'. Last month I mailed the payment 2 weeks before it was due, late fee. Now I'm standing true to my word and man I didn't go a week late and they were on the phone.. Haha. Most people don't have my attitude toward credit, but in this economy, and the way the banksters are robbing us blind that score isn't going to mean squat. read full review »