American banks..Exploiting the fact not everyone has a ton of liquidity for them to make free money on

Get this spam out of here.

I hate American banks, I called to complain about their fees and they weren't even sympathetic at all, basically take it or leave it. And especially hate those American department store credit cards. Late on a payment they charge $40 or $50? Seriously??? By the time I get my bill, it's pretty much too late to pay it...