I also applied and received the new LL Bean Barclays Visa. Horrible customer service from this bank! I was one day late paying (in full) my bill of $29. I was charged a $1 late fee plus a $25 "service fee" (nearly the same amount as the total bill).. Since I have an almost perfect credit rating and have never been late, I requested, not that they cancel all charges, but to charge a more reasonable amount. I was amazed at their answer: "There is nothing we can do."