At&t Universal Card Charged late fee for paying too early, ripoff Des Moins Iowa

Almost EVERY credit card requires one payment in each billing cycle. If your monthly payment is only 50.00 on a $5000.00 line of credit, even if you send 3 $1000.00 payments in one billing cycle you still owe a minimum payment in the next billing cycle. Car loans and mortgages are the same in almost all cases.

The only benefit you receive from sending an extra payment is that there is less of a balance to calculate interest on for the next billing cycle.

They are right, you needed to make a payment and it is almost certain your statement indicated a payment due.