I paid my balance in full yet a couple weeks later got a $2 charge and bill for "interest". I called, waited nearly 1/2 hour for a manager and asked for the charge to be removed. (Very poor business practice, as it degrades customer perception and probably costs more than $2 to generate the bill. I understood that the charge would be removed. Instead, got an additional $2 "late fee" and the following month JCPenney reported the late payment to the credit bureaus!! I ended up paying the then $8.56 in fees and after waiting 32 minutes on hold for an agent to start to tell my "why" I was charged the disrespectful fees, I explained that I have endless choices on where to spend my money, but only "some" of the choices deserve my business. JCPenney no longer deserves my business!!!