In February 2009, I paid my card payment online before noon on its due date, only to learn that the Monday due date was a holiday. Being disabled and unable to work, I hadn't realized that the day was a bank holiday. I had missed one payment a few months before because I mislaid the bill. My fault. I paid the late charge. But missing two payments jacked my interest rate up to almost 20%. Upon checking, I realized that since May 2008, five of the total 13 payment due dates were on days when the bank was closed. If the library in my town can program their computer to schedule book due dates only on days when they are open, why can't Bank of America do the same? I would love to get in on a class action law suit to bring attention to this consumer scam.