I'm not at all sure what this says about the economy, but today I got an email telling me that my credit-card payment was overdue by one day. Before flying into a rage, I checked my paperwork, and sure enough they were correct: I had gathered the receipts and reconciled the account but unfortunately had omitted the critical step of actually forking over the money.
I immediately paid online and noticed that because of my tardiness I had been charged a $10 late fee. I called the company and threw myself on their mercy, pointing out that I had never before missed a payment.
The customer service person could not have been happier to remove the fee from my account. She even praised me for my "lovely" credit history and said it was perfectly understandable to be late with my payment with all the hustle-bustle of the holidays.
I got the feeling they were thrilled that someone was actually paying.