I read your comment as trying to troll/lampoon him. There's times where banks seem to deliberately screw your payments, etc, up. There's no sane legal regime

I read your comment as trying to troll/lampoon him. There's times where banks seem to deliberately screw your payments, etc, up. There's no sane legal regime where they should make paying your balance artificially difficult. Of course they should be able to charge a reasonable amount of interest for the use of credit.