I am a meticulous budget-er. I keep track of every penny I spend (okay, I don't actually count loose change.) I have all of my bills on auto-pay so that I never miss a payment, but I never would anyway. Actually, make that all but one. My visa, which I hardly ever use, I pay online. I wait to receive the statement, then transfer funds from my checking account.
I realized the other day that I had not gotten my visa statement, and it usually comes by now. Today, I checked online, and not only had I missed the due date (the 17th), but they had charged me $19.00 as a late fee. Um, hello? I have never missed a payment and have had the card since high school. The balance was like $65.
I guess I don't know what standard late fees are, but that seemed a little exorbitant to me. So I called. And called. And called. Each time I would make it through their little automated system, I would get a message telling me that they were experiencing unusually high wait times and would be unable to service my call. Thanks.
Finally I got through to someone who reversed the charge and offered to send me paperwork to set up auto-pay. That's what I'm talking about. If they hadn't reversed it, I probably would have canceled the card and changed banks. Luckily, I don't have to go through that.