I'm not a fan of credit cards but they are a necessary evil to book airline tickets or make some purchases online. Yesterday my email had my most recent statement of account (bill). It showed a late fee of 850 pesos. It stuck me as odd because Master Card automatically deducts the full amount from my savings account every month. The account is never empty. To make a long story short. It was a banking holiday the day payment was due. The credit card company couldn't get their money so I was "late". Master cards initial position was my bill didn't get paid on time, they received their money late and it was my fault. After a short discussion they agreed to refund the charge on the next statement. The discussion was fairly short because they knew about the problem. If I hadn't called they probably would have been happy to take my money. You might want to look closely at your bill.