I had this card for about 11 years until today. I assume I never had a late payment otherwise I would've realized how they go about charging you interest on a late payment and don't ever inform you that payments made dont pay it off and instead you will incur interest on it. I recently realized a difference between my promotional balance and my current balance and upon calling for the second time a representative was able to tell me that the difference was due to a late fee that I had incurred in 2020 and that I was being charged interest on that late fee all along. Now that I am due to pay off my promotional balance I have a remaining balance of 73 which includes the $29 late fee and the rest is in interest. You would think that for being late one time in the 2years that they would work with you and remove the fees charged. Instead, an "account specialist", also considered to be a manager, by the name of Shannon stated that there was nothing that could be done at all. She instead allowed me, an 11 year Customer, to close the account. I find this to be absolutely outrageous.