HSN is an INFERIOR COMPANY with UNEDUCATED customer service that DO NOT know the BILLING CYCLES — AND WILL Harress you for a late fee when your payment was NOT late!! BUT APPLIED TOWARDS THE PREVIOUS BILLING CYCLE!! Customer Service seem to think this is OKAY–THEIR Bank SYNCHONY THINKS ITS OKAY — TOTALLY INFERIOR TWISTED COMPANY — I CLOSED MY ACCOUNT and they STILL HAVE IDIOTS SENDING LETTERS- YES! THEY DING PEOPLES CREDIT FOR THEIR GOOFY BOOKKEEPING