Hello ... I am not a frequent Kohl's shopper. If I shopped, the balance is always paid in full. I never carry the balance and this is the first time ever to receive the email on the late fee on account XXX-XXX2-603 as of 7/7/21. Just to add my credit score is around 850. I scheduled 'on-line bill pay' through my bank, $50.73 was paid on 6/2/21 though it was scheduled way before 6/2/21. I am waiting for my bank's clarification how it was scheduled. I spoke with Kohl's customer service 7/7/21, but it was like broken record that she kept saying it was 1 day late. I refuse to pay this late fee $28 as it is unreasonable.