Join Date: May 2000
Location: Houston, TX, USA
Programs: UA 1K, AA Lifetime Platinum, DL Platinum, Honors Diamond, Bonvoy Titanium, Hertz Platinum
Posts: 7,969
I think you must be misunderstanding something, and I don't think you read the fine print close enough. I seriously doubt you're being charged a finance charge if you paid the bill in full and on time each month. Is it possible you had some non-US transactions? The int'l service fee might show up as a finance charge.