I've fought tooth and nail with this company for at least the past two years. Originally got the credit card because I needed to cover an $800 repair (which I, foolishly, could have gotten cheaper eslewhere), and had no other disposable funds. I had other massive expenses come up which prevented me from paying it off within the 6 month trial period. Okay, I'll grant that, the interest thereafter was warranted to a degree, but the rate is outrageous. Regardless, I made payments when I could until the balance was gone. As of 5/17 I had finally paid it down to zero, and the card had already been cancelled for a year or more. CFNA then decided to charge me a LATE FEE on a zero balance on a closed account. Just to clarify, that's $35 ON A CLOSED ACCOUNT WITH A ZERO BALANCE. And now there's a late fee on top of that late fee. This is bullshit, and I doubt its legality. Some people would just pay it and move on, but on principal, I can't, because I can't - in good faith - expect that there won't be more bogus late charges tacked onto a dead account once that's paid off. Furthermore, the due date was on a weekend. If their system doesn't process and post a payment made for a weekend due date until the first business day of the week, that's not my problem.
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