Low and behold, the mail was actually timely and the processing dept of the credit card compay processed the check ealy. You got it, it bounced! My bank charged me $20 bad check charge. I received a my credit card bill in the mail and it showed the payment had posted to my account. Recently, while reconciling my checking account,I noticed that the check had not cleared. I immediately called the credit card company who told me my payment was late! The payment was taken off because of the check issue. They too were charging me a bad check fee as well as a late fee. Had I not called them, I never would have known there was a past due charge. Can I fight either of their charges?