Capital One is a sleazy company. I strongly suspect they are deliberately slow when handling incoming mail, because I'd get hit with late fees when I'd mail my payment a full five days before it was due. (I also mailed other cards’ payments on the same day as I mailed Capital One's. Mysteriously, the other credit card companies received my payments days before Capital One did.) Anyway, I don't like the way Capital One does business, so I canceled my card. I don't need Obama interfering with the free markets in order to “help” people like me.
If you can, create an online account for your credit cards. That is how I pay mine. The time the transaction is made is the time they have to use. No late fees ever that way.
A few years ago, when I paid by check, my Shell gas card did not post my payment until the day after it was due even though I sent it a week before it was due. I got dinged a little over $4.00 in interest. I didn't get that mad, but I got even. I sent them more than I owed and for the next few months they sent me a statement with a credit balance. In January, they had to cut me a check and mail it to me. I would have kept doing this for years, but I cut up the card earlier and never used it again. I figure I cost them more than the interest they charged me.