First, let me say that I use online bill pay for paying all of my accounts and NONE of the them charge any type of fee as long as the payment is made On Time for using their online service.
Emerge card gives you the convenience of making your online payment to them, but on top of the whopping 28.15% interest I am paying them on an annual basis, they have the nerve to charge $4.95 for making an On Time payment, online.
I think this is a stiff amount to have to pay and I feel like they are ripping people off. I don't know if any of this is regulated by the government, but it should be.
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