Any financial advisor will urge consumers to avoid late fees at all costs. But sometimes, life gets in the way. While the Credit Card Act of 2009 forced credit card companies to disclose all fees to consumers, it didn't stop them from charging them, in fact, many increased the fees. I remember being charged a nominal late fee on gas cards of $10-$15 so imagine my surprise when I noticed my balance continue to increase on my Chevron/Texaco and Shell credit cards despite my payments. Turns out, they were charging late fees of up to,$35, the maximum allowed, for cards with a balance of $35 or more! The good news is that when I called to complain, the fee was removed, but considering the billions in profits the petroleum companies have enjoyed over the last decade, shame on them still.