Chase Bank
Charged $39 late fee and finance charges though payment was made 12/31
I have a credit rating ~800. Used a convenience check 7/24 for an emergency. Paid $199 initiation fee due to ignorance of the small prints. Expecting 0% interest for 6 months. The bank charged me $39 late fee plus $343.69 finance charge because (they said) my payment due 12/31 wasn't received until ...