I have been a card holder of Emerge (through various buyouts) since 1992. I have never had a late payment. On 11/10/09 made a payment towards my December bill. On December 30, 2009 made another payment. They closed my account saying I was past due from December's payment date. They did not care that I had made a payment on 11/3 for November's payment and 11/10 for December's payment. Apparently, their bill date is 11/13(?) and they credited the 11/10 for November. There were no phone calls from them, nothing except for a postcard cancelling my credit card. I believe the main problem is that I do not carry a high balance and always make a payment substanially more than requested. They took adavantage of their new "clause" and closed my account due to payment dates. I am completely disgusted that a company would try and taint my credit (18 years and no late payments) to do this to me. There should be some recourse. I have copies of my payment history of their website and it is completely obviously what they are doing.