We know life can sometimes prevent you from making payments on time. That's why we'll waive late fees if you've made a purchase or cash advance in the same billing period the payment's due. Please understand that balance transfers don't qualify.

Because late payments can have a negative impact on your credit history and account terms (like increasing your APRs), and we recognize your desire to build and maintain a good credit history, we offer free tools to help you protect your credit:

• Customized e-mail alerts: ask us to send you reminders when bills are due.
• Billing date options: tell us when during the month you'd like to pay your bill.
• Automatic payment: choose to have your minimum due, or any other amount automatically withdrawn from your bank each month.
• Online payment choices: pay online whenever it's easiest for you and pay from multiple accounts – up to five of your choice.

Now it's easy to speak to a customer service representative, 24/7. Just call us and press "0" at any time, and someone will be happy to help you – live.