40 dollar late fee huh. Its nice to know that when people are struggling in this economy that there are always companys like yours to make it much worse on us. and the award for highest late fee Ive ever paid... Goes to you!!! Congratulations!!! Thank you for giving me that extra push at a greater chance of debt consolidation. I will spread the word of your generous 29.99% interest rate and your very generous $39.99 late fee. read full review »