Can you say scam! No wonder the president is after credit card companies. I was late with a payment around Christmas. I knew it and I paid the minumum balance on the web site. What I didn't know was that because I didn't pay the extra $39.00 I recieved another late fee for Jan. What a scam! I have a job and I do pay my bills, but for people who are struggling companies like GE Credit and Lowe's what a bunch of crap. read full review »