I have a jcpenney master card and I get my bill in the mail. I pay my bill every month. Well last month they decided to send my bill through my email so I didn't get it so I didn't pay. Needless to say they declined my card so I can't use it. When I called they said I have to pay $64 right now to use my card. It was there fault for doing paperless without me knowing this so I am punished for it. That is bull $#*!. They make the mistake and we pay for it. I have excellent credit so I will shred this card and get another credit card. They can take my business ( which I have NEVER missed a payment) and shove it up their $#*!.