I paid my bill the first few days of the month in full. This charge posted in the middle of the month, that billing cycle closed around 17th of the month. I paid my bill again in full in beginning of the next month, less than 1mo after the charge posted AND paid the late fee they hit me with. Does it not seem objectively stupid that I have 1. paid all the $ owed on my bill, 2. paid the late fee and still they want to charge me ANOTHER fee for points I already "earned" with the spend? If I had a bill that was outstanding for months or something i'd understand, but this is just dumb and you'd think any customer service agent would be like "OK, we'll waive the fee this time but please make sure to pay on time!" Like I said, if AMEX wants to ruin a 15+ year relationship over $35 they're welcome to. I've shifted most of my spend to Chase, I'm happy to bring the rest over. Shouldn't the "penalty" for late payment be the late fee? Not late fee + another BS fee?