I paid my account #6036 3210 2891 9541 on 01/14/09. the balance was $427.00 and was paid in full. They apparently rec. my payments 3 days late and have been charging me what now amounts to $54.00 in late charges and finance charges on top of the late charges. My account was paid in full. I cannot pay these exorbitant fees for charges that are posting to me when the credit card is of no value and I am making no purchases AND my bill was paid in full. Please advise me. read full review »