Thanks for the feedback. The CC has already been paid in full and cancelled. The purpose of the card was for a recent trip to the US where I was informed that the car rental company may not accept a debit card.
November payment was paid before due date and December payment was made on the same date as the December statement was issued. If a statement is issued on the 4th of the month and payment is made on the same day the statement is issued, 4th of the month, am I being penalised for not waiting to receive the statement in the post? The late fee is an annoyance, my main concern is any impact on credit rating.