Providian Visa Gold rip-off Internet

I'am a very busy woman, I work 8 hours a day and go to school.I may forget to mail my payment and it gets to Providian one day late.I get charged for everything.
One penny over the limit One hour late, even if I call it in, it has to be at a certain time to get credited.
It is so frustrating. Rigt now I have 2 charges against me and if it's too late to make a payment. If I don't do it on the internet now there will be 2 more charges.

If I make a payment now through the internet they will charge me $10.00 to do that.

They are taking all of my money.

They charge me $25.00 for chargeing a penny over, for being an hour late and other reasons.

here is no grace period and they said I knew this when I signed the contract.

Joycelyn
pittsburgh, Pennsylvania
U.S.A.