on may 10th i received a bill from card services with a late charge of 25.00. i called and told them i never received a bill and have never been late. clerk told me if i paid bycheck on line they would forgive late charge plus a surchaege . my next bill would show a credit of 39.00. my bill shows no credit. when i called today the told me they renige on that promise. only took off the surcharge. i will no longer use this card. doris sutliff @[email protected]