I have been a credit card customer for 12 years, pay every bill on time and never late, never hold a balance, charge about $12000 annually and pay in full every month. Last month only used $10 and apparently the bill never arrived, so I'm late 1 week. Wells Fargo calls me up while I'm driving, insists to collect over the phone (blocked ID, fraud risk), and also driving risk. I told them to send me duplicate of the bill and I'd pay immediately. The a-hole on the phone told me that I'm damaging my credit by delaying the $10 a few days. I called 1 hr later to speak to a weasel of a supervisor named Derek, and he was as bad as the first moron, refused to repudiate anything the other guy did (including trying to collect part of the bill that isn't due 'til next month), I told him either I want an apology or I'm canceling the card. The weasel Derek said no problem. The card is canceled. I will never use WF again for anything. I have about 9 more decent cards to choose from. I hope they are bankrupt soon. Hope the corporate management might see this story and figure out what kind of a-holes they have over there, chasing away good (excellent) customers.