I made a payment on my account online through their website. I was going out of town for 2 weeks for a vacation and made the payment one day before my statement date. They applied that payment to my previous statement period (which I had already paid). So now there are 2 payments for that statement period and I was charged a 39 dollar late fee for the current statement. In other words I was charged a late fee for paying early. And yes, US bank has taken money from the TARP fund to stay afloat. My tax money is going to bail out these criminals. Thanks US bank. I hope the bankruptcy goes well for you. BTW: I have paid the acct off the next day and closed it. I was just milking a 0% offer.