Apparently you can make credit card payments at increments of 30 days or less and still miss a window for a late charge on your statement. It has something to do with an overlap of a payment due date and the generation of a new statement that happens between the 15th and the 20th for me.
Fortunately, the nice Indian lady over at Citi (and this is a rare experience for me - I have very strong feelings towards Indian customer service…) waived the $39 fee. Anyway, lesson learned and problem avoided.

January 16th, 2007 at 11:30 pm
That sucks. Mine don’t do that. BUT - they do charge billions of dollars for random crap every where else they can. They screw up pretty much every transaction - and are willing to fix it after I start pulling hair out from the stress they caused.
I hate Wells Fargo.