I paid my bill on 4/6 $100 again $50 on 4/15 then $50 5/15 to Direct Merchants Bank DBA HSBC Card Services . I recieved my bill the other day and it had a 39 dollar late fee. I called and they said you paid it a day too early. I ask to speak with superior and same guy came back on and said cant help!! This is highway robbery!