The Ceasars branded visa card is managed by Comenity Bank. This bank is notorious for excessive fees. I always pay my balance in full and ontime. Twice in the last 6 months I was accessed a $30 late fee and then a finance charge. Both times I mailed my payment in 2 weeks before due. The bank didn't process the payment until after the due date. The 1st time the bank gave me a 'courtesy ' and removed the charges. The 2nd time I was accused of being a tardy payer and fee removal was refused. As much as I liked the Ceasars rewards benefits I cancelled the card.