I had the Amazon.com VISA from Chase for 5 years and paid every single payment on time. Then I submitted one payment online 45 minutes late. They charged me a $39 late fee plus finance charges on the balance. I called and asked if they could waive the fee based on my excellent standing, excellent credit, and the 8 other accounts (including a mortgage) that I have with Chase. They refused to budge an inch. Bottom line: Customer loyalty means nothing to them. I canceled the card immediately & will find one with better policies.