Most systems add today's date, or a date close to today's. Right? Well, our friends at MBNA insert the date your payment is due, and while there is a place to click on information, that tells you that payments should be made at least several days before the due date, if you don't look carefully and change that date, your payment will go in on the due date and........BINGO! Late fee! Maybe.Is this sneaky or what? Our electric utility (for online bill pay) does something similar to this. They use the bill due date and say that this is the date you can EXPECT them to receive payment (payment received date has to be at least 2 days in the future to allow for processing, etc.). I imagaine a fair number of people use this to pay the bill on the absolute latest day possible, however we always pay a few days in advance to avoid running the risk of late fees. We've never had any problems (knock on wood)Side note: From what I've read and seen from their marketing efforts, MBNA is not a company whose products I'm inclined to purchase.
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