Credit One Bank Fraudulent Company Las Vegas Nevada

 First off I am not a fan of Credit One because I think that they do try to Capitalize(pun not intended) on Capital One and take advantage of people who fail to pay enough attention.

However, with that said...in this case YOU are the one at fault.

First of all by law a credit card must accept payments up until 5PM local time as being received that day.  Some banks extend that time longer.  However, if you pay it 1 minute after that time..even by phone you are late and are charged a very legitimate late fee.  If that happens to put you over your limit then you are again charged a very legitimate over the limit fee.

Now, you wouldn't have been charged an over the limit fee..if you weren't close to your limit.   Credit One did not rip the card out of your wallet and force you to purchase things on it..that was 100% YOUR choice.  If you talk to just about any creditor or people that deal in credit the "ideal" usage on your credit card is between 30-50% of your credit line.  Your bill is due every month at the same time, and you get your statement a good couple of weeks in advance.  They did not hold your hands down and not allow you to make a payment before the due date..again that was you.   

 It is common practice with them.  I also have paid them on the due date and had them do the same thing.  Fortunately I have a son that's a lawyer and one letter and they're running like a dog.

YOU made the payment LATE...they didn't get it in time.  Who did???  YOU did.  You were maxed out.  Who was??? YOU were.  The late payment YOU made caused a late fee because YOU were maxed out.  No Einstein, I don't work for them.