But a few months ago, Murphy was a day late paying one of her bills, so she called the credit card company to try to get the late fee removed.
Your credit score won't suffer if you are merely a few days late making a payment, though you may be charged a late fee and the interest rate charged may spike up.
In 1999, CEO Reed Hastings launched the company's no-late-fee, by-mail subscription service as an efficient alternative to Blockbuster.
As to late-fee income, Capital One seeks to retroactively change accounting methods years after it selected and implemented an alternative method.
FORBES: Capital One Not Putting Refund on $400,000,000 into its Wallet
Simplicity, which Citi rolled out this summer, offers no annual fee, no late charges and no penalty rates.
So she had to go to shady cash-checking service late at night and pay an additional fee to finally pay rent.
Several videos purporting to be from Gangster Disciple members in several states -- including Georgia, North Carolina and Florida -- appeared on YouTube late last year demanding that Ross pay a fee to them for his use of the Star of David, which they claim as a gang symbol, and a reference to one of their founders in his music and marketing.
EBay tweaked its fee structure and incentives for sellers in late March and many analysts are still waiting to gauge results.
Credit Suisse First Boston, Warburg Dillon Read and Merrill Lynch: all have, of late, curtailed their reliance on trading in favour of fee-based income such as advice on mergers, which are booming (see chart).
The debit-card fee wasn't the only revenue idea Bank of America shelved late in 2011.
So after weeks of unproductive squabbling and with a deadline looming, Senate Democrats and Republicans agreed late last week to scale back the payroll tax holiday and pay for it with spending cuts and a new fee on mortgages.
FORBES: A Two-Month Payroll Tax Cut Is Dumb, And So Is How Congress Got There
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