I seriously feel sick. Apparently last month, when I transferred the $82 from my bill paying account into Bank of America to pay the MBNA card, I sent it to Chase instead. I have no idea why. So when I logged in today and saw that my balance on the MBNA card had gone up, I thought that maybe they had not transferred the 0% balance correctly - but no, I have a $39 late fee because I did not make any payments in November.
I am really out of sorts over this. I have never missed a payment in my life! And this is mostly because Bank of America is stupid and won't let me make payments on the MBNA card from another bank - I have to transfer it into my BoA account and then pay from that. Otherwise it would have just gone automatically like all the other bills.
I doubt they would waive my late fee and I don't want to call them and ask because it is in fact my fault, but I am really upset because I thought I had everything covered last month.
EDIT: By clicking on the wrong link, I found a way to use MBNA's old system, so I can use another bank. I put in a payment today, and already put in a request to transfer a payment into the BoA account. I am only five days late so I hope it doesn't go on my credit report but it is still very nerve-wracking.