I paid off my penny's card in Nov 08. in Dec of 08 i made another purchase but I did not receive the staement until Jan of 09 they charged me a late fee for items purchased in dec but i didn't receive the statement yet, Some foreign guy answers and argues that I should of made a payment for dec. I did not have a balance so why would I make a payment. First off I am sick and tired of trying to do business with someone who can't speak english and two them charging a fee for something that is not there. read full review »