US Bank
Withold payment information centers. Nation Wide

In my 20 years of owning and using credit cards; I sometimes get less than one late payment fee per year. Usually I send my bills with five days notice or if I feel the payment may be late, I pay online, or go to a payment center to avoid any fees.

This year, I have been traveling alot and had a hard time getting my payments on time in the mail, so I tried on line payments and over the phone for charges. Upon 2 or 3 of my calls I've asked a sales representative, "Is there a payment center locally where I can make this payment right away." She told me "NO" I can only make payments online, over the phone with a fee and through the mail.

The online option got jammed up when I could not sign back in. I don't know what happened, but I could not get any help, so my only option was the mail, or over the phone for a $10 fee. A couple times I took my chances with the mail with 4 or 3 days delivery time and I did get more late fees. I called in for every late fee to make sure that it was not a mistake and not one customer service representative ever offered that I had another payment option.

I was unhappy with this credit card and paid my balance and changed all my direct payments in the process to close the account, when one last payment went through. I had to pay through the mail. And guess what, another late fee. Upon calling this operator told me that I could go to any US Bank to make a payment.

I do understand that it is ultimately my fault for any late payment, however I have a US BANK with in one BlOCK of my Apartment and every US city I traveled to this year. Would I have gotten those late fees if I had known this? NO WAY!!! After my two years with this company, not giving me this payment option, I closed my account with them right away.

For any one else out there with this credit card or others. The nature of the Credit Card itself setting the minimum payment so low, you will pay tons of interest is a scam in itself. Pay your full balance every month and only stay with a credit card that has many payment options and locations and no annual fees.

Company: US Bank
Country: USA
State: Montana
City: St Louis
Address: P.O. Box 790408
Phone: 8002858585

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