PENALTY RIPOFF

Is it fair to be dumped with a penalty of more than a R100 for late payment into a credit card? This is what Standard Bank's Blue Bean service has done to me for arrears of about R200. I would never have noticed this predatory behaviour had I not decided to check out my statement after an sms reminder and saw this entry. When I called their customer service, the consultant I found could not give me any decent response and instead said I must check my January statement.<br> I have decided to do my best and pay off this ripoff and survive on cash. In the meantime the government must root out such practices do that the stretched consumer should reach cash only status without arriving in tatters from these practices. Thank you for nothing BlueBean.