I have had a CHASE VISA account for several years; I routinely pay off the balance in full. In August, 2009 I misplace the statement and, inadvertently, did not make a payment; the balance due was $70.15. The next month's statement had a Late Fee of $39, which is 55.59% of the balance due. I paid the statement in full, including the onerous late fee and the $3.45 finance charge. Then I sent a request for Chase to consider if 55.59% late fee seemed reasonable. I got a canned reply that basically said you didn't pay the bill... read full review »