The same thing happened to me! I had a $5 bill and they told me that I had e-billing. NY&Co flooded my email box but not for bills, they were all for "sales." So, for a $5 bill, I ended up paying over $60 for! My credit was great until they sent me to their collections agency and I canceled my card right then. I didn't even use the credit card but about twice since I got it and now I'm glad I didn't use it often.