After looking online regarding how to pay my Pier 1 card off, I saw this site and was enlightened on what appears to be a universal problem. When I applied for this card, it was not because I needed credit or another card---the reason of an extra 10% off the total bill was too enticing, after purchasing furniture. When I received my bill from Pier 1, the bill was late and there was already a late charge against my account. So, too trusting---"perhaps, I missed the first statement." I paid the entire bill and the late fee... read full review »