I am confused as to why you would pay the additional 9.95 if its already late?? I don't think there is a Difference if its 3 days or 6 days late, only if it goes over 30.
I know I am really hating credit cards these days ...
Last I had any credit card debt was 10 yrs ago. Wow things have changed!
This past yr , I have been using them more , and I am appalled at the fees and the Minimums due , AND how fast the creditors call you!! Man, you forget a payment - and day 3 they call you!!
Not that its good to forget ... I know thats bad... I am just amazed that they are so quick to charge you that 29.00 Late fee , then harass you with phone calls - when you have Never been late before and You haven't even been a week late yet

We pay off any debt we owe in Jan. When DH gets his Yr. end bonus.
Next year I doubt I will get back into Charging ... The companies dont even seem to value their " good " customers anymore.