For a XXXX time, the Macy 'XXXX Card company charged XXXX a late fee and interest on a payment that the bank records showed was paid on time - in fact, after the XXXX time, I set the payment to pay BEFORE the due date. This time, the payment was due XXXX and they were paid XXXX. Although they removed the fees when I called and agreed the payment had reached them on time, many people would just have paid. What a way to make money. 
