Late billing — took them over a month to get my bill to me. — they blamed the post office — but my other cards did not have this problem After I paid by check, mailed 11 days before billing due date, they charged me late fee. Even after I paid electronically the entire amount they charged me interest. I paid the next billing ahead of schedule by check. Nearly two months later they received original check payment and tried to cash it — I had put a stop payment on the check because they had already been paid in full. They charged me a fee for returned check fee. Three days later I received a threatening dun letter by mail. — funny how the post office got me this dun in record time!! Made me jump through multiple hoops to get the fees reversed — it was like they didn't know who I was — after nearly thirty years of having their card in my wallet.