re: Real life conversation with Credit Card Girl

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If credit card companies want to make money on people that never get hit with late fees, might they not skip a billing and charge the fee?

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Your conspiracy theory assumes complete competence on the part of the USPS.

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But, if you look up my record you'll see that I've paid up in full every month since LBJ was President. Doesn't that indicate the mistake is yours?

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That could also indicate you're approaching the age where you become forgetful

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If this happens again I'm gonna change credit cards. Anyone have a competitor of Chase?

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I'm not sure there is a good credit card company. You get what you pay for and none of us are paying up front use of card fees, it's all back end gotcha fees.

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Wells Fargo

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I've never personally used Wells Fargo but have dealt with some of their HR employees and they do seem to have a "small town" corporate culture, so it wouldn't surprise me if they were better than average for service.