Discover Credit Card Complaint

Discover Credit card department,

Late fee Indiana

I was recently considered late on a payment ( payment was made just after - on the due date ). The payment was made on the due date and the cut off is arbitrary for an online payment. I make all my payments online and Discover is the only company that imposes this. The second complaint is the amount of the late charge being excessive. The balance is $1000.00 and my average monthly payment has been $36.00. The late charge alone was $35.00 and doubled my most recent payment. Last, the 18 % interest rate is outrageous. I have good credit and my credit score is over -. I can get a lower rate if I apply for a new card. I do n't want another card with Discover. I stopped using it when they changed a due without notification causing a late payment. They also sent the account to a collection agency even though it was not delinquent and never had been. It took months to be resolved. So NO WAY do I want to do business with Discover. What I want is the late charge reduced and the interest rate lowered.