I love shopping at Macy's, especially the super-reduced racks, but I refuse to use my credit card any more since I discovered their predatory fee system. It's one thing to charge $25 dollars for a late payment but I was charged $25 for paying less than the minimum. The next month, I found that the fee was attached to my minimum payment requirement taking it to $55. For families who are stretched to the limit, that can be a tough bill to pay, but you'd better or they'll keep adding $25 to minimum. That’s just mean.