We have a AAA Visa card x many years, never late in payments; paying more than minimum requested. Due to Gerald Ford funeral & addition of banking & postal holiday, January payment 1 day late & late fee assessed. Called & Tiffany promised to remove late fee. Feb statement: another late fee! We called: as the minimum was paid, but minus the late fee,, so we were "late" in making the "full" payment. Also an overlimit fee was applied. Finally 2/27 all 3 fees were waived & subtracted from the massive $304 that was requested as the "minimum" payment. We even called back to confirm that we only owed $187 which we paid & they received on time. However we also paid off the card, with a payment of 8 plus thousand dollars, received by AAA days later. Imagine our shock when we got a bill with another late fee & $167 finance charge, despite paying off the card by my bank! 3 people rudely refused to budge, counting the number of courtesy waives, not getting how this had snowballed, & insisting that there is a daily finance charge, applied even as you pay off the balance. We would owe again the next month! What can we do to get recourse & protect others? Thank you! Barbara