Never late on any of my credit cards, all of a sudden I am, according to FirstUSA credit card, late on 2 payments.

So the penalty is $35.00 for each late payment, plus a hike to 22.99% interest.

I have a 5,000.00 credit limit and the minimum payment I have to make is $100.00.  Most of the time I double it, but now am paying minimum until I get this thing resolved.

I was not late, not a day and now I found out just how crooked they are.

My bill came back.  Hold on to you hats!  Out of the $100.00 payment, 46 cents went towards the principle.  $99.54 went to the interest!

Great banking right?  I am looking to get on that class action suit that is against them and would really appreciate any information anyone has that can help me and help others close down this crooked establishment.

Joyce B., Closets4U@aol.com