Each month I add an extra $50 to my total balance before mailing in my payment. Since the late fee is an outrageous $39, I figure that FIA Card Services will always have my next months minimum balance 30 days early and shouldn't ever charge me a late fee. This past month the payment was 2 days late and the $39 appeared on my charges for this month. When I called the rep suggests that I read the fine print on the back of my card. There it states that I must make the a payment "every billing cycle". In other words, I made the... read full review »