This is a massive consumer fraud and should be taken off the market. They charge for everything imaginable, even if you pay earlier in the month before the payment is due then they charge massive late payment fees and other ridiculous fees for late payments. They even charge for electronic payments or if you make a payment by phone. They are a massive fee generator, and the card is very expensive to own and use. The interest rate charged is massive and over the top. Plus, the way that the interest is computed is also a scheme that results in overcharges all the time. You also do not get the benefit...