I made my September 2009 payment on the 4th of September but silly me! That was apparently 1 day too early (billing cycle ends on the 4th) so it gets credited to my August payment therefor making it appear as if I never made my September payment so I get hit with a $39 late fee. So, although i am pissed I make a Double payment to cover September and October. Then I call customer service, explain what happened and ask that the late fee be removed. These assholes had the nerve to offer me a 30% reduction in my $39 fee! So I got more than a little pissed and it increased to a 50% reduction in the fee! Are you kidding me! These assholes use our money to get bailed out and they are gonna ding me with bullshit fees for paying early! HSBC is the lowest of the low! I don't know how but I hope and pray that those in control of this suffer in some way so unimaginably horrific that they are never able to enjoy any of their pilfered millions ever again!