[usr] just once was i late with my payment and they charged me 39 bucks, i hate visa [sys] That is obnoxious, I would switch just to stick it to them [usr] they would not even do a courtesy waive [qst] [None] [bhv] I'm in a negative mood, please comfort me.
that is terrible, that is not a good way to keep people
I do not understand why my credit card company would charge me 39 late fee when i was never late before