Paying a credit card on the due date? Don't wait until the afternoon.

One day, I predict, a bank will go too far with their fees, and there will be some measurable backlash, where there will start becoming a trend of people more commonly putting their money in credit unions or under their mattress. We're not there yet, but apparently Bank of America is trying to speed up that day.

The Atlanta Journal Constitution has an interesting story about one Greg Fischer, a consumer who paid his September Bank of America credit card payment through his bank's web site. He paid on the deadline day.

However, his bank said that he was late anyway. Why? He paid at 4:10 in the afternoon, past a 3:30 p.m. cut-off that he wasn't aware of, a cut-off, I'm sure, that's buried somewhere in legalese on his credit card statement or on the credit card's web site.