I switched to the Disney card to be savvy about saving money and eliminating my debt quicker without interest charges. I failed miserably last month when I missed the deadline to pay the bill. I knew getting a calendar page in my office would help prompt me to make the payments on time but did not get one as of January this year. The company hit me with the the late fee of $39.95 (why not just make it the goddamn $40??? because it doesn’t look so bad at $39.95?) In addition to the penalty fine they increased my rate to a ridiculous interest rate of about 25%. I had about 11% once the promotional period was over. I argued with the representative on the phone and asked how it’s fair that my history shows not only on-time payments but payments that were at least double what the minimum was- and that the late fee was penalty enough and yes, I admit I was late. Rarely am I more than a week late with a payment. I think this was missed by 4 days. She tried to offer me different cards because it would be “6 months before we can review you again…and that’s if you make your payments on time.” I’m superbly irritated and I’m going to start saving money in my sock drawer- that’s predatory!!! I intend to close the card because I do not feel the steep penalty is something I deserved. I’m closing the account and using another card offer (of the dozen or so I get each week.) That would be supremely funny to get another offer from Chase for a zero interest balance transfer offer. When will they give us little people a tad bit of slack??