If you are looking for a dividend miles credit card, look elsewhere. I have had an account with this card since 2007. I have never missed a payment and have never been assessed a late fee...until last month. As part of the credit act that Obama passed, my monthly bill due date was adjusted. This act was supposed to protect people from cc agencies, but instead the agencies have managed to use it to their advantage not disadvantage (surprise, surpirse!) Although the card company told me they gave me fair warning of my adjust payment... read full review »