I have been a Chadwicks customer for over 15 years. In recent months they have started charging me $25.00 "late fees" because they say that my payment is arriving one day past the due date. I always send my payments 5-8 days ahead of the due date. The San Antonio payment Center is typically a three business day mail journey. When I get assessed a late fee, then my interest rate zooms! Chadwicks recently sent me a "gold card" membership account card. I didn't request this. It was sent due to my good credit standing and... read full review »