I was a day late for the month of Dec. for the first time and it went from 46.00 to 61.oo, so I paid it, but now I have to pay a late fee again when my payment was recieved on time for the following mo. The operator said I will have to pay a late fee anyway in order to get it out of the system and she can not do anything about that. I like to have good credit and I like paying my bills on time. I try to be very responsible, but I will not pay for a penalty that doesn't exist. My email is [email protected] if this needs to be discussed further. A letter will be written soon if I am charged for it. thanks tina read full review »