I had just checked my credit score. I may have had a couple of late payments. Normally it's paid in full. They are my only bad mark, the other creditor's are happy to take my money, without throwing me under the bus. The other creditor's I have, give you a 10 day grace period, before they report someone and because of the savings, I got a card. Kind of pushed into it. Now I'm pushing back. I'm going to cancel my card and probably won't shop there, they have gotten so expensive anyway. Seven years!!!