The latest thing is merchants that won’t take electronic payments (ETF). Only check by mail, or you give up your bank account numbers for monthly deduction.
Of course the check is always “late” with a $40 late fee.
I currently have a zero interest 36 month deal on a bed. The default interest rate is 40%, which starts one day after one check gets “lost” or is “late”. The only alternative is they get to debit my checking account.
Open an account solely for that purpose.
Check always late = Capiyol One, BTDT.
I proved it using USPS Delivery Confirmation.
Then closed the account.
I am sure they are not the only ones.