After calling customer service, I was told in order for the payment to be considered on time I had to accept the charge. And if I just made a regular payment, it would not post to my account til the 5th, which would officially make it late and a $25.00 late charge or higher would be assessed.

I asked the rep would he consider giving me a courtesy for the charge, he refused. I then told him the account had been inactive since I paid the balance in full back in March 2010 and I was not aware of this new change. He said that the change was effective for a year. I told him that was not the case and that I was not notified of the change. I further told him I had proof that the charge only applied when paying on the due date and not the day before the due date in the past.

Be careful when dealing with this company and any banking institution in this economy. Since the Obama administration placed limits on what banks can charge consumers, the banking geniuses have come up with new strategies to rob the consumer through fees and charges that we have never heard of in the past.

Once I have paid this account off, I will promptly close it and never do business with them again.