So a little history is necessary - my wife has had this card for a long time but the terms kind of sucked. There was no AF so we decided to "shoebox" the card. Back in January we moved and, well, my wife understandably forgot to change the address on the card since we don't use it any more. In March, they initiated a $45 AF, it was posted to the account on April, and it was due on June 12th. We didn't know about it until we were called about having late payments on the account (saying we owed $75, $45 AF + 30 in fees). Fearing what they would do on the credit report, I bargained with them to remove the fees and paid off the AF. Was there any other option? Are there any protections for the consumer from this? They said they mailed a notice, but obviously we never got it because of the change in location -- and we were beyond the "30 day opt out period".
