I've had this credit card for 26 years & have always paid each month's bill in full & on time until recently. In June, 2010, I was one day late with my $172.61 total current payment. My July, 2010 showed a $29.00 late fee & $2.23 purchase interest charge. I called them & they refused to remove the late fee but said they would credit me the interest charge.

Knowing that credit card companies refer to people who consistently pay in full on time as deadbeats & that it would behoove them if I cancelled my card, I have & will not.