I apperantly had a balance of $14 that was late and never once did they contact me to pay it, but instead they reported it to the bureau's. How terrible is that? If I have a late payment, the least they could have done is called me before it hit the 30 days and said hey you owe $14 and I would have paid it right then and there. Sooooooo terrible now I have my very first late payment on my credit score! Soooo disappointed with this company. I called them right away and they said that I had to contact the credit bureau so I told them to close my credit card immediately. They were like "why" and I told them that they didn't even have the decency to call me before it hit 30 days to let me know so it didn't go to the credit bureau. THAT would have been the right thing to do as a credit company to maintain and acquire costumers. Now I'm going to tell everyone to not get this credit card because they do not look out for their costumers. Just poor!