[Tree0164]

I have had only a few late payments and kick myself when it doesn't happen.

I still think that gm carecredit (credit at dentist offices) hold onto the payment just to get late charges. I had a 3 way call with bank of america once with carecredit stating that my payment was electronically transfered to them in plently of time. Carecredit said it wasn't but they dropped with late fees and I never had once since with them.