I do not plan on making ANY more purchases at Macys. We bought an item and let the sales associate talk us in to getting their card. We sent the payment on time, but they neglected to post it on time. We then were charged interest plus a $25 late fee without even knowing it- all the while thinking we had a $0 balance. We then got another $25 late fee for not paying the last $25 late fee. We now owe $58 on something that was paid in full!! And if you are wondering- we have perfect credit and have not had any problems with any other card. read full review »