She has had this credit card since she was 18. She's 34 now. She had the very lowest interest rate available because she had excellent credit score. Now BOA has dinged her credit report, saying one late payment but cannot show her details, only that the payment was made one day past the due date. They want their 30%! And if the balance is close enough to the card limit, the extra 30% will throw it over the card limit and they up the 30% to a much higher interest. My daughter has learned an expensive lesson for sure.