should late payers pay a higher rate for thier service, than thier neighbors who pay on time? i'm thinking screw the late fees. if someone is habitually late, they should pay a higher rate. example- say you normally charge $30 mowing for them and thier neighbors. $300 for ferts. $400 for fall clean up. i think the habitual late payer should pay $35, $335, $450. this is how credit card companies make big money. if you have bad credit, they still give you a card, but at a much higher rate, with severe late/overlimit fees. anyone use this method? input?