20-25-30 ARE NORMAL... 30+ PROBABLY NOT... The days stated is days after billing before payment is due... It is really easy to WORK the account to get like almost 2 months interest free if you have PAID IN FULL BEFORE THE PURCHASE... STATEMENT CLOSES 09/22/02... BUY A MAJOR ITEM ON 09/23/02... IT IS POSTED ON THE 10/22/02 BILL... DUE ABOUT 11/21/02...