For over the past 6 months, I had been paying $500 per month ($250 per paycheck). I had extra dental work performed. So, my minimum amount due increased to approximately $275. Then in July 2009, I was assessed a Late Fee. I called Customer Service. The first person was unable to understand that I had been paying well over the minimum amount due and did not deserve a Late Fee. I asked to speak with a manager. The manager was rude, condescending and very disrespectful. It's hard for me to understand that even though I had routinely been sending in well over the minimum amount due for a significant number of months (much longer than my new charges had been added) that they were correct in charging a late fee. I never raised my voice and tried to discuss logically with them that their system was flawed by not taking into account all of the monies that they had recieved during ANY cycle. WATCH OUT for EXTRA FEES! And, do not expect to be treated like a good, paying customer!