Credit card — Bread Financial Holdings, Inc. (TX)

Problem with fees. Really, I want it credit card companies o have the same end of day as the rest of the world. Why are their cutoff times arbitrary if not to purposely to charge consumers fees? paid my balance in full and still I ended up with late fees because they said even though I made the payment on the due date, it was after XXXX CST and therefore counts as late. The system will automatically force to another day. I have multiple cards and there are at least 4 different time zones. I send ACHs all day and I can say that the random cutoffs is a moneymaking scheme used to maximize late fees and finance charges. Purposely tampering with and misrepresenting consumers information. What kind of nonsense is this?