It seems they automatically, without my knowlwdge or consent, enrolled me in some bullshit plan called a "travel club" a couple of months ago, billing the account for $25. Since I didn'y pay their $25 in April the subsequent bill dinged me for a $10 late fee plus $2 in a minimum finance charge. If I hadn't caught this, Chevron/Texaco would have had a field day dinging my sorry ass for failure to pay their bogus crap with late fees and compound interest.
Let's take a closer look at their statement.
That's an annual 84% interest rate. Have a nice day.