It has been many years since I carried a balance on any of my credit cards. I pay credit card companies ZERO every year in interest and fees, ZERO, nothing, zilch. In fact, I just cashed my rewards check from one of my cards to the tune of just over $275; they pay me! So you can see, I am not disgruntled because I allowed them to abuse me, I am disgruntled because our lawmakers allow them to abuse us.
Do NOT believe credit card companies are on your side. They want you to pay late so they can raise your interest rates and so they can charge you penalties. Credit card companies are predators. Get your card balances to zero, and vow never again to give a dime to the thieves. The best investment you can ever make is never to carry a credit card balance.