I can't speak to the other rates, but one thing both Verizon _and_ AT&T have just announced/implemented is a change to their late fees.
From now on, if they don't record your paying a bill on time, you'llbe hit with a fee of:
1.5 percent or $5.00,
whichever is more.
_____________________________________________________ Knowledge may be power, but communications is the key snipped-for-privacy@panix.com [to foil spammers, my address has been double rot-13 encoded]