Household Finance Visa delays crediting your payments in order to charge their excessive late fees.
They also will switch where your payment is to be sent, (usually to the farthest office from your home) to create more delays.
Another sleazy trick they used on me was to switch my account, without my knowledge or approval, to their "Platinum" account which eliminated my grace period. All of a sudden I was getting late fees for 1 or 2 days late even though I had a $0 balance and had sent the payment in plenty of time. Now every month I get a late fee, on a late fee, on a late fee...
They of course will not fix it, or admit they Illegally changed my account, nor submit to me any evidence that the payments were late as I have requested, nor did they cancel my account as I requested over the phone, on my bill, and on my check.
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