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I requested the late fee be withdrawn due to how close the balance pay off was to it's due date.They finally agreed after a few weeks to remove the late fee.

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An adjustment was made on the late fee on 10/13/16, however that adjustment was made after the due date for October, therefore, another late fee was assessed.

Currently, your balance is $98.47, and a minimum payment of $43.00 is due by 1/12/17 to avoid any future late fees. Seems there is some questionable business practices involved here. In reading the disclosures, I noticed something that I personally experieced with the same bank that is behind the Amazon card- Chase: if they pull your credit, as these banks do, periodically, and see that as they told me was the reason in 2005, "you have sufficient debt", they can raise your apr to the DEFAULT RATE of 29.9%! Now the bank don't want me to activate the card when I get it in the mail.

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Many rules and regulations affect what credit card companies can and cannot do.

I canceled the card, didn't want to use it with this stuff going on. The credit card laws were I applied for a blue cash american express card and was approved for $10,000. If I activated I have $10,000 If I reapply I may be denied. I was harassed with a phone call from PNC bank about my visa credit card.