I want to piggy back off this question. I had a credit card that was very sketchy and because i was not able to setup autopay on the account I finally paid off the card in full. However, apparently if my card had 0 balance on the card they would charge me a fee of $6. Since I had the account paid off in full i didn’t go to check the card nor did I receive a statement stating I owed anything. So I was late twice both no more than 30 days. I have since then closed the card as it was more of a hassle to keep it open. When I did the ATD event my counselor at the time just asked for explanations of the situation and stated she would not let it hold me back. But now as i brought it up on the FB group they are stating you can have any at all. Would you be able to give me some clarification?