True but what about those who don't have this option? I feel people who pay by mail should have the same protection against invalid late fees as those who chose to pay by some other method.
Paranoia, obsession, and monomania have their place on this board. This board's leading poster, GEORGE, has his own reflexive response to most issues. And Citibank is a far more reputable organization than FICO. With that said, any connection between FICO scores and late fees remains highly speculative at best. Even though late fees are only loosely related to late payments, at least some connection exists. I doubt any connection between late fees and FICO scores.
