I got slapped with late fee twice. I've NEVER received the bill in my inbox and I've never been late in paying on my bills. In fact, come to think of it, I've never ever received e-statements from them! I always had to check my account online to see if I owe any money. But for the last 2 months, I've been busy and didn't check my account because I was hoping that I will get the bill in my inbox. I tried to convince them that I never got the bills, but of course they didn't believe me and they turned around and said I should check my 'junk' folder. Uh .. I do check my junk folder before I empty it.
Anyhow, they wiped my first late fee off by forcing me to make a payment over the phone, which caused me 10 dollars for processing fee... how lame is that? Anyway, from 70 dollars spending, I ended up paying 100 dollars for something that I'm not at fault. I asked them to start sending me paper billing instead, but they said it will cause me 1 dollar fee for each bill???? That is so stupid!
Their customer service is HORRIBLE. I called them 3 times to try to resolve this issue .. and all three were bad. In the end .. I had to suck it up and paid $30 extra for something that I didn't do, hell .. it might even ruin my credit score too. I will stop using Angel credit card from now on. Their processing system is horrible and unreliable. Use different credit card!! American express is the best!