Against my better judgement, I charged some new bed linens from JCP as we were having company and the bedding was kind of shabby. I don't normally buy from big box retailers nor do I normally pay by check (my mistake again) but I mailed a payment in full six days before the due date. The statement I just received has a late fee of $27 on the $31 payment. What recourse do I have and why do I have to submit to their unfair ways of earning revenue? Consumer hell...