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Here a couple of tips: Loyalty means jack*****. These companies LOVE it when you pay late. I can't remember the numbers, but they make a large percentage of their profits from late charges alone. Your bill was late. It says it in writing. What is your argument? I really don't know of any credit cars anymore that will give you any leniency for loyalty. None. Maybe 20 years ago. I wouldn't waste your time or energy. Call to cancel the card and pay the bill. They may give you a break then. If not, cancel it any move on.
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