>     I have an Amoco Visa credit card issued by Associates National Bank. 
>     For some reason, they either have the world's slowest mail service or
>     something because every time I turn around, payments to the account 
>     take longer from the time I mail them to the time thay are posted than 
>     any other credit card I have. They, of course, have a $20 late fee.
>      
>     Last month they did it again. Payment due on Dec 3, mailed on Nov. 22
>     was posted to the account Dec 4. This time they didn't even charge the
>     normal finance charges, just that $20 late fee.
Couple of thoughts - is there a cancellation mark on the back of the 
check or does your bank statement show the date when the moneys were 
deducted from your account?  If this didn't also happen on Dec 4th,
that bank is in serious KimChee...
I don't know who the actual people to contact are but there are both 
state and federal regulatory agencies who deal with this sort of stuff 
on a regular basis.
Some things cannot be dealt with - I heard of one case where a bank 
would take a stack of checks and process the biggest ones first.  This 
was so that if the account ran out of money, they would have a number 
of smaller ones bounce - each with their own bounce fee - rather than 
process all the small ones and run out of gas on the big one.
This sadly was totally legal - but you case, if this place is cashing 
the check and not crediting it to your account within 24 hours, they 
are doing something wrong...
Let us know what happens!
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