I receive a new credit cards in the mail about the transfer a day before my account is due. When I submitted a payment it classified as late, they charge me a late and over limit fee too. My payment is about $100.00 for May when my normal payment is about $25.00. I didn't appreciated or care for WAMU or SST. As soon as possible I will have my balance transfer. But I'm planning on calling them about the charges to see if the will reverse them but I doubted. Sorry dogs these to credit card company