CreditOne Bank Reguired $ 9.95 to make a payment over the phone. City of Industry California,

I received my card about the middle of June. When I hadn't received a statement by July 7th I called their number and attemted to make a payment. I was told their was a charge of $ 9 .95 to make a payment over the phone. I asked if they could take an automatic withdrawal from my account each month. They said I wouI'd have to contact my credit union to mail them a payment each month. I have since found out they were originally First National Bank of Marin and after losing a law suit changed their name. They said if they did not receive a payment by the 8th I would be charged a late fee. The 8th is on Sunday.