First Bank offered a number of spiffs to their “good” customers in exchange for several sequential months of prompt payments. The spiff I chose was a percent off the interest rate. They never reduced the interest, ever.
BankOne used to debit your checking account before crediting deposits, even if the deposit took place before the check hit. My husband caught them doing it and they punished him by reporting him to the bad check agency, which is much worse than a hit on your credit report. You can be locked out of new checking accounts for up to seven years!
We finally went to our local credit union and had no further problems.
Bank of America and First Bank were also good at putting the date due on their statements consistently on a Sunday. Before Internet payments you’d be late unless you paid by phone ($10 fee) or mailed the check on Tuesday.