Too Strict!
I was paying bills one evening, and the bill for Home Depot was paid in full as I aways do. But it turns out it was after midnight. So they charged me a late fee. This is CitiBank, and so I suppose I should write a review of them. They absolutely refused to dismiss the late fee on my phone call. They told me I had to pay. So I canceled my card. Now I have no way to pay the late fee. I can still get into my canceled account online, but it will not accept payments. This is so frustrating.