I've got 3 cards with Cap One and always paid off in full each month and always on time. I was one day late with one of the cards this month and they socked me with a $25.00 late fee. I got a good mind to buy something for a few cents, under a buck, put the card up for the rest of the month then pay off the balance on the website and keep it up for about 6 months just to get even with them. True, I won't see any of the "get even" money, but I figure it's going to cost them enough in employee wages and other costs to at least equal the $25 and hopefully more just to process those piddling amounts each month. Maybe they will get the hint that I'm pissed about that $25 charge. Does anybody know of any reason why that won't work. Can they hit me for additional charges or penalties because of the low amounts charged?