I HAVE BEEN A DISCOVER CARDHOLDER FOR MANY YEARS AND PAY ALL MY BILLS ON TIME.I DID NOT RECEIVE MY MONTHLY STATMENT, WHICH TOTALED $11.99. THEY HAD SENT IT TO THE WRONG ADDRESS.THEY SAID ONCE A BILL IS RETURNED THEY NEVER SEND ANOTHER BILL. DUE TO NOT RECEIVING MY BILL, I MISSED THE PAYMENT. THEY SENT THIS INFO TO THE CREDIT BUREAUS AND IT ADVERSELY LOWERED MY CREDIT SCORE BY 85 POINTS. THE LATE FEE WAS $19 AND MY BILL WAS $11.99. I CALLED CUSTOMER SERVICE AND WAS TOLD THAT DISCOVER CARD DOES NOT HAVE TO SEND YOU A BILL, IT IS YOUR... read full review »