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I paid my bill on time last month and still was charged a late fee. How can that be?

You should check with your card issuer to find out why you were charged a late fee and ask if you can be excused from paying this fee. 

You cannot be charged a late fee if you paid at least the minimum amount due and your payment was received by 5:00 p.m. (in the time zone where payments should be received) on the date it was due.

If you pay less than the minimum amount or if you do not mail your payment to the correct address, you may be charged a late fee.