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No one means to pay their credit card bill late, but it happens. In one print and two TV ads breaking today, Fallon in Minneapolis touts Citibank’s new “Simplicity” credit card program, which doesn’t charge users late fees. One ad shows a fellow searching a trash can for his credit card bill; the other shows him crawling into an open grate under his desk while paying his bill online. When workers close the grate, he’s stuck, and thus delayed in paying his bill.
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