I wrote an email to Lloyd Wirshba, Barclay's Bank US CEO, and it bounced back.  So I sent it back to the Juniper postmaster with a message in the subject to forward it.  

I was told to contact Mr. Wirshba about my $39 late fee by the supervisor of one of his (Juniper's) "relationship managers."  They couldn't remove the late fee.  Poor guys, all they could do was read to me, over and over again, that according to the terms....blah, blah, blah..."we can't do anything."  So I kept asking--if you can't help me, who do I contact?  They said Wirshba.  So I emailed the guy.  He's got richocheting emails.

I want to pay down this card so I paid way over the minimum balance each month.  Sometimes I even made two large payments in a month.  Apparantly this doesn't affect your billing cycle--so I guess you could know you're going on vacation and pay ahead a few weeks --and they'll still slam you with a late fee because your extra money will be in the wrong pay cycle.  In other words, you can try to pay ahead--but NOOOOOO (imagine John Belushe saying that)--they ain't gonna let cha!

 Also, this if super cute--they change your due date each month to fit THEIR cycle.  (God, us women have been lobbying for that since Eve got stuck with her monthly visits.)  I get paid the same day every month.  I don't want to go into details, but lets just say the payment, at most was 3 or 4 days late, if that.  

After I went to the postoffice to pick up my mail--but before I read my credit card statement I was sitting in the car.  I'd just heard the tail end of a discussion on Biden's "mis-statement" about how to prevent SWINE flu (Orwell is spinning in his grave watching what's going on with us!).  A thought flashed through me:  Wow!  Just think of the oppportunities companies will have to try to sell us all hand wipes!  Wow!  The money that can be made........

I'm not so naive as to think businesses are in it out of the goodness of their hearts.  But on the other hand--didn't any of the people who put together that teeny tiny print have a mom?  Didn't anyone teach them to behave decently?  We shouldn't have to legislate decency.

(I'm going to go back and listen to my Kinks song  :-{  )