WAtch out folks. I bought $180 worth of clothes at New York & Co. Clerk urged me to open account for a discount. I did, knowing I would pay it fully immediately. I never got a bill. Then they called and said I was late. So I paid it fully right away. (Bought clothes August 28; Paid fully Oct 17). Started getting aggressive callers saying I owed a late fee, suddenly late fee went from $20 to $95.00 Very aggressive calling. When I paid everything off with first check, I consider the account closed. This business model is criminal and violates consumer rights. I hope President Obama funds the consumer rights division again and gets these folks. This is an unproductive type business. This is not how we will rebuild the country. When someone is a few days late, BUT PAYS OFF THEIR BILL, you say, "This is a great customer! We want more of their business!" Instead, their abuse has ensured that I tell everyone I know never to shop at New YOrk and Company, which is too bad, because this may not be their fault; they have nice clothes and a good concept and fair prices. But this vicious back end is regrettable. I have filed a complait with the Columbus Ohio Better Business Bureau and suggest others do too. Also writing my Senator and Congressman