Although all payments for 3 1/2 years were on time or early with most of the payments above the minimum, one month my payment was received 1 day late. They bumped my Finance Charges to 19.99% and charged a late fee too. I've tried to explain this was a one time error and less than 24 hrs late, but they would not reduce the finance charges down from the 19.99% despite my excellent payment record. These crooks got me once but they won't get me again. I'm paying off the card and shredding it. I'm also sharing with... read full review »