I have never not paid my credit card bill in full each month. I still receive a paper statement but pay online. My credit card was declined today so I logged on to see that I apparantly missed a payment. I am good about receiving a statement and then scheduling a full payment. I don't see my statement anywhere so I don't know if I didn't get it or I just misplaced it.

Should I call and see if they will refund charges? I have been charged a $25 late fee and $100 (!) in interest...eek. Do they do this? I don't want to call and them say , "ya ya ya", sorry lady.

I am so embarrassed! If they don't refund charges I will be charged for interest next month also, right? Double cycle billing, ugh...help~