U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

APR or interest rate California

USBANK charges me - dollar minimum Interest Charge Fee '' after I pay off entire balance 3 days late, the balance of - includes a - dollar late fee. After the payment posts and the balance is supposed to go to zero the credit card is charged a - dollar minimum Interest Charge Fee. This is according to the bank pennies whos interest was magnified into hundreds. Higher than the credit card 's interest rate. This higher than normal rate must receive the payment first and left over balance must be left on the card to be paid back according to the law. Please help.