I opened a secure credit card with former, Providian now Wamu Credit or soon to be Chase and I went online to make a payment to discover that the due date was the day before and they wanted to charge me $39.99. I discussed with the rep that I get an alert telling me when the payment is due. I made a payment the day before my alert to find out the alert was an error. They rep told me that I need to be more responsible.

I was a little upset because my responsibility lay in opting to get an alert so that if the statement doesn't come in the mail I won't have a problem. Anyway, I had to open the account with a certain amount of money so technically the money I spent is mine anyway, why are they allowed to charge me a late fee for my own money. The response I received from the rep when I asked can the late fee be waived was sorry, but I cannot do that. you have to be more responsible with making timely payments...
so now as long as I don't pay the amount due and the late fee they keep charging me a late fee. How is that fair? Don't they know that we as a country are struggling? Many are without jobs and I am working pay check to pay check trying to keep food on the table for my girls and I get reprimanded about not being responsible. Wasn't it my responsibility to reach out for assistance when the situation didn't work out?