I have had my car for 3 years, and have made 37 payments. When looking at my payment history, I see all sorts of misc. fees. There are columns that show, principle, interest, charges, and then misc. charges. I have been late a few days once or twice (since i have to mail my payments since they charge over 10 bucks to pay online) and those late fees have been posted in the charges column. Noone in cust service can explain to me what the misc. charges are. I have noticed when I pay more then my car payment, the additional amount goes in to the... read full review »