I have a cash reserve credit account at key bank and have had it for years. Sometimes I pay it in full other times I make payments, regardless of my method I haven't made a late payment in YEARS. During last month our computer crashed and I was unable to transfer the payment to the cash reserve credit. (because the don't send you a bill) I was 3 days late on my payment and they sent my account to collections. No call from Key Bank saying "we noticed that we didn't recieve your payment yet." Straight to collections and in... read full review »