i open my account in august 2007 with 0%for 1 year on balance tranfers, then it was suppose to go to 9.9%. I have made my payments on time for the last year. My sept. statement i didnt receive, otherwise i would have sent it in. so on sept 18 i received a call saying my payment was late, it was due on the 16th, i paid it that day. instead of my interest rate being9.9%, it jumped to 28.74%. I dont think this is fair, since i didnt receive no statement for that month of september. so my interest rate should have never been jump up to 28.74% . I also paid a late fee of 39.00. So could you please look in to, and contract me as soon as possible, thank you