Commerce bank closed my credit card account in December 2020. I paid my payments in a timely manner. I tried to make a payment but they took away my online access to make payments online and wanted my account number to make payment by phone. I option for online statements but after the bank closed my account I didn't receive a paper bill till January showing a late fee because of a payment not being made. I tried calling and talking to customer service and a supervisor to get the charges removed once I received a paper bill. They wanted me to cut up my card card and send it back and I did that in December but I never received a paper bill. I don't mind paying what I owe but I was unfairly charged late fees when I didn't receive a bill and was taking away all access to pay my bill.