Juniper Credit Card Ripped off twice! Philadelphia Pennsylvania

That may be the best option, if they do.

Bank's are required by law to process payments within 24 hours of receipt. They cannot "hold" them just so they can charge a late fee. I would be more concerned about the mail service. I received mail on January 2nd that was post-marked from Sep and Oct from within the same city. Almost all credit card companies have websites that offer secure online payment processing that can be processed the day of or day before the due date and you will never get a late fee. Also, Juniper would not raise the credit limit from 8.- to 32.- for one late payment. It goes up in increments depending on how many times you have been late, if and how long you are over your credit limit, and your overall credit report. If your account is never late, the interest rate will not go up.

I suggest that consumers become "credit card" savy before ever opening a revolving credit line. Above all, read the fine print! If your payment is one day late you WILL get a late fee. If you are over your limit by $0.01, you WILL get an overlimit fee. If you do either then your interest rate will go up. Cash transactions carry a higher interest rate, balance transfers have a fee (a % of the amount, some have a set fee), and if you "default" (late payment and going over limit are both defaults) then you lose any "special" interest rate. All of these are standard practices and are legal. Before you sign a credit card agreement, read it and know what you are getting into. Above all, never sign an agreement in exchange for a "special deal" (a free vacation, a free airline flight, a t-shirt, a teddy bear); and never put your social security number on a piece of paper until you have read absolutely every word on the piece of paper and you know exactly what you are signing up for.