One of the largest credit card issuers in the US, this privately held subsidiary of a foreign bank seems to have a practice of late billing, slow processing, and unresponsive customer service that results in inappropriate assessment of late fees and interest on payments delivered to them on time but not processed in a timely fashion. Since they appear to profit hugely from this practice I have a hard time believing it is just ineptitude. They issue a number of specialty cards for a variety of airlines and retailers. Contacting their customer service is a waste of time. Cancel your card, and complain to the sponsoring airline or retailer, as their customer service departments might actually care. Complaints can also be filed with the FDIC using an easy online complaint form.