Kroger USBank Caveat emptor! St.Louis, MO, Missouri Nationwide

If you have a Kroger 123 Rewards card throw it away ASAP. I had racked up over one thousand plus points for rewards (per Kroger site). I went to use card and it was declined. I was confused and knew I was no where near my limit. I called US Bank who handles for Kroger. Kathy, (no last name) laughingly said we froze your account because you are four days late on your monthly payment. I asked Kathy will this interfere with my rewards check due to me in August, and Kathy giggled and said “what do you think”. She enjoys her job way too much. I paid and chopped up my card. I also checked on line and found that I now only have 66 reward points.  Then charged me a $27.00 late fee.  Caveat emptor!