The bank is sneaky, especially with the payment window. I believe it may be a few days shorter than a regular, non affinity card. So, when you allow for slow mailing of the bill, followed by slow payment processing, you really end up with about a 5 day window. Not much room for error, especially if you travel a lot. I solved the problem by taking my payment to any B of A branch in the country. The regular teller takes it, and it posts in 2 days.