You *** *** Pay your bills on time. Any interest bearing acct is going to cost you more than what your item is worth.
If you are unhappy with that then do not buy anything until you have the money to pay for it out right. If you are one of those people that happen to be "a little late" and you whine about phone calls, then pay your bill on time. You don't go to the grocery store and tell the clerk you'll pay for you milk next week, it is no big deal do you?
Bottom line, don't complain about being harassed by phone calls. They have til 9pm to call so either don't answer or ya know pay your *** bill and pay attention to your statement.